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The purpose of this research is to realize the relevance between the business strategy of Bank of Taiwan, Matsu branch and the development of local industry and to discover the difficulty in the banking operations. Through the qualitative research, the study used literature analysis, in-depth interview method to collect the data and analyze the conclusion. The major findings were as follows: 1. Disadvantages of banking development are sparse population, small land area and industry relying mainly on small scale processing of agriculture products. 2. In 1949 when the government relocating to Taiwan, for the needs of military mission the government occupied private land without signing any contract with the land owner. By 1992, with the termination of being a battlefield, Matsu government started handling land ownership registration; however, 43 years of undefined land ownership caused huge difficulty in measuring land and assigning title to land. Such situation happened to housing lands as well, and this created a plight for the bank to loan to those in financing needs. 3. According to the in-depth interview, here are five strategies: Adjust bank deposit structure, reduce capital cost and keep promoting payroll transfer and bill collection business. Expand RMB certificate deposits business. Optimize credit business, lend fund by taking Taiwan house as a collateral and implement interest rate policy to widen cost of carry. Make good use of the brand value of Bank of Taiwan to promote wealth management business. Deepen E-finance business and enhance the communication between seller, buyer, corporate finance customer and personal finance customer. Our research suggests that: 1. with the liberalization of cross-strait financial business restrictions, Matsu branch may make good use of The Mini-three-links advantage to discover potential foreign exchange clients and promote deposit, credit, payroll transfer, insurance, on-line banking and trust business through the contact with these foreign exchange clients. 2. the advantages of Matsu branch are localized sound operation and proper internal control circumstance which make it a high quality bank in this area and also the only bank in Matsu. Based on these advantages, Matsu branch is able to use the CRM system efficiently to identify corporate clients who have not applied credit business with Matsu branch and put them in potential client lists. Besides, by the relation with existing clients, it creates a higher success rate in discovering new client by improving the interaction between downstream manufactures and Matsu branch.
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