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研究生:謝士滄
研究生(外文):Shih-Tsang Hsieh
論文名稱:成功銀行的創新經營模式-對華人銀行經營的啟發
指導教授:吳青松吳青松引用關係
學位類別:碩士
校院名稱:國立臺灣大學
系所名稱:國際企業學研究所
學門:商業及管理學門
學類:企業管理學類
論文種類:學術論文
論文出版年:2004
畢業學年度:92
語文別:中文
論文頁數:129
中文關鍵詞:銀行經營創新經營成功銀行銀行華人銀行金融
外文關鍵詞:innovative thinkingstrategysuccessful bankbankfinancial institution
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近年來國內金融改革的號角吹起,除了國內銀行致力於呆帳的打消與財務結構的建全化與透明化外,更讓整體金融相關產官學界所關心的,便是如何在金融逐漸走向全球化競爭的趨勢下,取得足夠的競爭優勢,成為成功的金融機構。側觀,當國內銀行業者與大型金控的異業合併,除了資產規模變大(too big to fail)及組織上多了金融控股母公司外,各子公司似乎也是一如往昔的獨自運作。

本篇論文的主要研究方向,便是希望以邏輯性的驗證方式,闡述如何有效提升股東的價值,成為成功的銀行。同時,也希望藉由國外成功銀行的研究中,剝離出成功銀行的基本要件,進一步驗證台灣銀行經營者追求成功策略的可行性,並做為銀行經營者在採取策略行動(Strategic Move)時的參考。依造研究的成果,銀行要達到成功,幾個基礎要件是要建立的:首先是對環境變遷下的機會與威脅有靈敏的觀察;其次是要有創新思維與做法,建立明確的商業模式及經營理念;最後則是要定義出自己專注的領域。這與國內全方位式的異業合併,在非專長領域期望建立範疇經濟綜效的模式,有著明顯的差異。

事實上,有許多議題值得銀行經營業者進一步深入的思索,包括:究竟什麼樣的銀行才是成功的銀行(what,如何定義成功的銀行);成為一個成功銀行的基本要件為何,該培養什麼樣的競爭優勢(Key Successful Factor)才能具備成功的基本要件;用什麼樣的方法及策略(Action & Strategy)去建立這些成功的要件。希望本論文能提供銀行經營者,提升銀行的競爭力,使銀行更有經營價值。
The Financial Reform has attracted much public attention during recent years. In addition to the efforts of local banks on writing off bad debts and enhancing the health and transparency of their financial structure, what is more to the concern of the relevant academic community as well as the industry and the government is how a financial institution can gain the competitive advantage required in the face of increasing global competition and becomes successful. However, mergers between different types of financial institutions seem to have only led to an increase in size that may be too big to fail and a new layer on the existing organizational structure, a parent holding company; individual subsidiaries seem to continue to operate independently as before.

The direction of the research in this thesis is to elaborate on how to enhance the value for shareholders and to become a successful bank through a logical examination. In addition, hope to extract the basic factors of a successful bank by studying successful international banks and further examine the feasibility for local banks’ strategy to pursue success for the reference of local banks when they are making their strategic moves. Based on the results of study, for a bank to achieve success, there are several important factors: The first is the sensitivity to the opportunities and threats in a changing environment. The second is the innovative thinking and deeds for building a clear business model and business philosophy. The last is to define and concentrate on its own specialized area, which is quite different from the mergers of local financial institutions which are rather loosely organized and which attempt to establish a scope economy and synergy in areas they do not specialize in.

In fact, there are many issues which demand more consideration from local banks. These include: what constitute a successful bank (how to define it)? How are the Key Successful Factors for a successful bank? How to establish these Key Successful Factors? It is hope that this thesis can provide some ideas for these questions.
目 錄
成功銀行的創新經營模式–對華人銀行經營的啟發

第一章、緒論
一、研究動機 --------------------------------- 8 頁
二、研究目的 --------------------------------- 8 頁
三、研究議題 --------------------------------- 9 ~11 頁
四、研究範圍 --------------------------------- 11~12 頁
五、章節架構 --------------------------------- 12~13 頁

第二章、文獻綜合探討
一、銀行業合併綜效研究 ------------------------ 14~16 頁
二、銀行業的最適經濟規模研究 ------------------ 16 頁
三、銀行業效率的研究 -------------------------- 16~17 頁

第三章、成功銀行的定義
一、銀行產業的評價模型探討:
Market Approach (市場評價)--------------- 18~24 頁
二、銀行產業的評價模型驗證:
Accounting Approach(會計驗證)------------ 25~32 頁
三、經營成功美國的銀行 ------------------------ 33~37 頁

第四章、國外成功銀行的發展經驗
一、金融控股公司如何成功:Wells Fargo --------- 38~54 頁
二、區域性銀行如何成功:Commerce Bank --------- 55~62 頁
三、小型純貸放的銀行如何成功:Golden West------ 63~68 頁
四、如何成功創造Fee-Based的商業模式:
Securities Processing Banks --------------- 69~79 頁

第五章、成功銀行發展經驗對華人銀行的策略意涵
一、美國成功銀行的啟示 ------------------------ 80~84頁
二、台灣銀行業面臨的機會與挑戰 ---------------- 84~88頁
三、台灣銀行產業的評價與分析 ------------------ 88~92頁
四、華人(台灣)銀行發展的致勝模式 ------------- 92~96頁

第六章、結論與建議
一、結論 -------------------------------------- 97~99頁
二、建議 -------------------------------------- 99~100頁
三、後續努力方向 ----------------------------- 100~101頁

附錄
一、圖表(一)~(八)------------------------- 102~126頁
二、中英文參考文獻 --------------------------- 127~129頁
一、中文參考文獻
��王文宇,〈金融控股公司法之評析〉,《月旦法學雜誌》,2001.10,77期,頁195-207。
��王為倩,〈銀行與保險業整合之風險、獲利分析:模擬研究〉,政治大學風險管理與保險學系研究所,碩士論文,1999。
��李桐豪,〈由美國金融服務業現代化法看我國的金融控股公司法〉,《台灣金融財務季刊》,2001.6,2輯2期,頁1-17。
��吳顯宗,〈金融控股公司與綜合銀行制度之研究〉,《財稅研究》,1997.7,29輯4期,頁186-200。
��沈中華,「銀行的異業合併-互補性與文化差異」,貨幣市場第五卷第三期,頁15-28。
��宗立炘,〈台灣地區銀行兼營非銀行金融業務風險效果之實證分析〉,中正大學財金所,碩士論文,1999。
��施敏雄,〈日本金融控股公司法之立法背景與運用〉,《台灣金融財務季刊》,2001.6,2輯2期,頁19-32。
��曹為忠,〈國內銀行業經營非銀行業務之探討〉,《產業金融》,1998.3,98期,頁81-94。
��陳安治、施志調,〈金融業整合及異業結盟〉,《華信金融季刊》,1996.6,6期,頁59-80。
��第一銀行,〈簡述金融跨業經營趨勢對銀行業的影響〉,《調查資料》,2001.11,429期,頁15-20。
��張佩惠,〈從金融綜合經營論我國保險業今後之發展〉,《風險管理季刊》,2001.5,7期,頁7-25。
��張雲翔,〈金融機構跨業經營及轉投資之利潤與風險分析—全球實證—政府紀律及管理能力優劣的重要性〉,台北大學財政研究所,碩士論文,2001。
��張賢智,〈金融六法立法重點〉,《實用稅務》,2001.8,320期,頁37-38。
��彭正浩,〈台灣銀行多角化與其績效之研究〉,台灣大學經濟學研究所,碩士論文,1997。
��鄭秀玲、劉育碩,<銀行規模、多角化程度與經營效率分析:資料包絡分析法之應用>,《人文及社會科學集刊》,2000.3,12輯1期,頁103-148。
��鄭詩蓉,〈台灣銀行業多角化程度對風險、報酬與調整後報酬的影響〉,淡江大學會計研究所,碩士論文,2001。
��鄭瑞真,〈成立金融控股公司之投資效率與風險評估---以我國銀行為例〉,中央大學財務管理研究所,碩士論文,2001。
��賴英照,「台灣金融版圖之回顧與前瞻」,聯經出版事業公司,民國86年4月,第二版。
��嚴雋寶,「台灣地區銀行發展40年」,中華徵信所企業股份有限公司,民國80年5月。

二、英文參考文獻
��Allen Linda, Jogtiani Julapa, “The risk effects of combining banking, securities, and insurance activities”, Journal of Economics and Business, 2000, Vol.52, p.485-497.
��Allen N. Berger, David B. Humphrey, Lawrence B. Pulley, “Do consumers pay for one-stop banking? Evidence from an alternative revenue function”, Journal of Banking and Finance, 1996, Vol. 20, p.1601-1621.
��Allen N. Berger, Hancock Diana and Humphrey David B., “Bank efficiency derived from a profit function”.
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��Boyd John H., “Expansion of commercial banking powers… or, universal banking is the cart, not the horse”, Journal of Banking and Finance, 1999, Vol. 23, p.655-662.
��Body John H., Graham Stanley L. and Hewitt R. Shawn, “Bank holding company mergers with nonbank financial firms: Effects on the risk of failure”, Journal of Banking & Finance, 1993, Vol.17, issue 1, p.43-63.
��Beattie, D.L., “Conglomerate Diversification and Performance: A Survey and time series analysis”, Applied Economics, Vol.12, 1980, p.251-273.
��Canhoto Ana, Dermine Jean, “ A note on banking efficiency in Portugal, New vs. Old banks”, Journal of Banking & Finance, 2003, vol.27, issue 11, p.2087-2098.
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��Grabowski Richard, Rangan Nanda, Rezvanian Rasoul, “Organizational forms in banking: An empirical investigation of cost efficiency”, Journal of Banking & Finance, 1993, vol.17, p.531-538.
��Hasan Iftekhar, Marton Katherin, “Development and efficiency of the banking sector in a transitional economy: Hungarian experience”, Journal of Banking & Finance, 2003, vol.27, issue 12, p.2249-2271.
��Houston Joel F., Ryngaert Michael D., “The overall gains from large bank mergers”, Journal of Banking & Finance, 1994, vol.18, issue 6, p.1155-1176.
��Huizinga Harry, Demirgüç-Kunt Asli, “Determinants of Commercial Bank Interest Margins and Profitability: Some International Evidence”, World Bank Working Papers, Domestic finance. Saving, financial systems, stock markets, Mar.1998, number 1900.
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��Madura Jeff, Wiant Kenneth J., “Long-term valuation effects of bank acquisitions”, Journal of Banking & Finance, 1994, vol.18, issue 6, p.1135-1154
��Manju Puri, “Commercial banks in investment banking: Conflict of interest or certification role?” Journal of Financial Economics, 1996, Vol. 40, p.373-401.
��Mibourn Todd T., Boot Arnoud W.A., Thakor Anjan V., “Megamergers and expanded scope: Theories of bank size and activity diversity”, Journal of Banking and Finance, 1999, vol.23, p.195-214.
��Rahul Bhargava, Donald R. Fraser, “On the wealth and risk effects of commercial bank expansion into securities underwriting: An analysis of section 20 Subsidiaries”, Journal of Banking and Finance, 1998, Vol. 22, p.447-465.
��Rasoul Rezvanian, Syed Mehdian, “An examination of cost structure and production performance of commercial banks in Singapore”, Journal of Banking & Finance, 2003, vol26, issue 1, p.79-98.
��Rime Bertrand, Stiroh Kevin J., “The performance of Universal Banks: Evidence from Switzerland”, May 2001.
��Wonsik Sul, Jook Seok Oh, “Are German-Type universal banks superior in performance to other types of universal banks?” Journal of Financial Management and Analysis, 1999, Vol. 12, p.18-29.
��Zardkoohi, Asghar, “Economies of Scale and Scope in Thrift Institutions: The Case of Finnish Cooperative and Savings Banks”, Scandinavian Journal of Economics, 1992, issue 3, p.437-519.
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