本研究生目前任職於瑞士的S私人銀行，負責該銀行於台灣區的業務，先前亦曾經任職於國內銀行的理財中心與財務顧問公司，擔任理財主管與從事私人銀行平台工作超過十年期間。對於國內銀行近年來所推動之「財富管理」業務，或號稱更高等級之「私人銀行」業務發展，有深入的瞭解與實際上的業務拓展經驗。 據統計，台灣目前的財富管理商機高達28兆元，市場規模在亞洲排名第三，僅次於中國與日本。隨著兩岸關係解凍，金融業的重重限制可望逐步鬆綁，相信很多外移的資金將會陸續回流，台灣的財富管理市場將有很寬廣的成長空間。這也造成了各金融機構，無論是銀行業、證券業，甚至保險業均相繼投入此一熱門業務。加上近幾年來，國內外的金融業者在金控架構之下進入了白熱化的競爭，強調一次購足與全方位的理財服務，使得國內銀行的理財專員在業績目標的壓力之下，對於高資產與高所得客戶(HNWI)，披著量身訂作與精緻規劃的外衣，實際上進行了很多不必要金融理財商品的推銷。甚至，這些所謂的『金字塔頂端』的客戶所購買的理財商品，其風險值往往超過該客戶所能承擔之風險程度而不自知。一旦大環境發生巨變，例如數十年難得一見的次級房貸風暴與通膨危機同時發生，則客戶所遭受的虧損是很可觀的。其實類似的客訴事件在國內的金融機構屢見不鮮，雖然站在主管機關的立場應該幫助較弱勢的投資人，但財大氣粗的金融財團卻理直氣壯地不願意承擔誤導客戶之責任，往往客戶都會自認倒楣，如此客戶對該金融機構的信心一定大打折扣，甚至因而失掉了這個客戶。 同時，近年來因為國內稅負偏高，造成大筆資金外流至國外的知名私人銀行進行稅務或理財的規劃。據瞭解，台灣的有錢人在海外的資產規模，高達2,300億美元以上。預期未來在新政府上台後，將開始採取有利的稅負環境，包括遺產稅或贈與稅已大幅降低，以吸引滯留在外的資金回流。屆時這些為了節稅而有家歸不得的龐大資產，將會像迴游的鮭魚一般回到台灣，勢將引發國內金融機構新一波的理財業務競爭。但如果國內的業者在觀念上依然存在以過去的做法為指導方針，只在乎短線的手續費收益，競相地殺雞取卵，並未用心思考如何為客戶創造長期或世世代代的財富保障效益，無法達成歐美私人銀行數百年來所吸引富裕人士的功能，相信這幾年國內業者的努力也將付諸東流水！ 在此，希望藉由本文的深入探討，以研究生個人在此一領域十五年以上經驗，配合在S銀行的所從事的業務與國際間私人銀行做一比較，同時就目前國內正在萌芽的私人銀行業務競爭之優劣條件進行分析，並提出本研究生的建議。 / This graduate student is currently the Associate Director/General Manager of the Taiwan Regional for the “S Private Bank” from Switzerland. Previous to that, he was the Head of the Private Banking Centre in a local bank and as well was the President of an IFA (Independent Financial Advisor) which managed a private banking platform for local high net worth individuals (HNWI) with over 15 years of experience. Currently, the AUM of wealth management in Taiwan is over NT$28 trillion, ranking as the third among Asia countries, China & Japan ranking as No.1 & No. 2 respectively. After the new government in May 2008, the regulations in the different financial fields will be liberalized and this would attract the offshore monies returning to Taiwan. Therefore, there should have a big potential in the wealth management market. In this regard, local financial institutions, such as banks, security brokerages and insurance companies are putting every effort in this business, consequently, competition occurs. Due to the fierce competition, the HNWI have been overly loaded with investment tools recommended by FAs (financial advisor) in the banks. But after the subprime turmoil, the clients suffered and, in this regard, the bank might lose those clients. Meanwhile, the taxation rates in Taiwan have been too high to retain the monies domestically. It is estimated that the HNWIs have been keeping over US$230 billion of their money abroad. Fortunately, after the new government, the taxation has already reduced recently in attracting the money to return to Taiwan. By then, the local financial institutions will vie with each other for the huge money in the wealth management business. But if the local institutions remain keen on their nearsighted thinking of product or sales oriented private banking business in generating fee income, lacking of a long-term financial planning for HNW clients, as such, could hinder the local financial institutions from building the competitiveness in the private banking business. In this regard, this graduate student tries to give some personal experience in this particular field which is rarely touched by local practitioners. Also, this thesis will put forward some practical suggestions to the related Governmental Authority so as to make a healthier environment and wider room for the local interested parties. This study focuses on the results from the abstract to analyze and provide some realistic and useful suggestions to those financial institutions who are interested in the private banking business.

The aim of the thesis is the evaluation of the opportunity of a small Czech brewery to enter the market in the United Kingdom. To analyze the environment and the situation in the United Kingdom is used 4C method, which is aimed to explore the UK market in terms of national characteristics, customers, competitors and costs. After that on the basis of this analysis to evaluate, or recommend a brewery expansion into the UK market.

Theoretical part of the graduation thesis focuses on describing strategy of a company and methods used in the external and internal analysis of the company, such as PEST analysis, analysis 4C, SWOT analysis, Porter's analysis. The main goal of the practical part of the thesis is to describe concrete company and analyze it's internal and external surrounding. At he end of the thesis there are written recommendations for company and strategy.

This dissertation is focused on process of a strategic analysis of a company, including analysis of an internal and an external environment. Its aim is to work out the strategic analysis of Secar Bohemia, a.s., to evaluate company's current situation of its market and to indentify all factors which could affect its development in future. It is divided into two parts: a theoretical part which contains theoretical basis (PEST analysis, 4C analysis, Porter's model, Checkup of the internal resources) and a practical part which apply that theoretical knowledge in Secar Bohemia,a.s. The output of the dissertation is to suggest the strategy and recommendations for futher development of that company.

網際網路問世和知識經濟時代來臨，現代人的生活形態深深受其影響。隨著網際網路觸角延伸到世界各地，上網人數快速增加，將具有共同興趣，但來自不同地域的人連結起來，在越來越多的網路用戶參與所造成的影響下，形成了許多虛擬社群。 Web2.0 概念的出現於2004年，其「網路即為平台」的基礎原則更將這股虛擬社群風潮推向高峰，成為一股不可忽視的網際網路力量。使用者所編織的集體智慧，變成了網際網路資源建立之核心，促使網際網路從以資訊為主的網路連結演變成以人為主的架構。 個案研究對象以台灣最大旅遊業者雄獅旅遊集團作為探討對象，利用研究者在雄獅旅遊集團之自身實習經驗以及與高階主管訪談過程中，得知雄獅旅遊集團在公司旅遊電子商務網站、品牌管理與其外部社群網站操作之實際做法。研究架構則是沿用邱志聖（2010）的4C策略行銷分析，整理出雄獅旅遊網在外顯單位效益成本、資訊搜尋成本、道德危機成本與專屬陷入成本之行銷運用，探究個案如何運用其旅遊電子商務網站經營與消費者行銷建立關係。此外並在外部選取全球成功且具代表性之旅遊電子商務網站與平台—Expedia作為標竿案例，針對該個案公司本身的電子商務網站經營以及其旗下TripAdvisor網站之 Web 2.0應用，作次集資料搜集與整理。Expedia身為美國線上旅遊市場之龍頭代表，背後的成功關鍵就是在整合電子商務網站與社群網站之經營。 在研究最後利用雄獅旅遊所興建平台與Expedia平台之比較與行銷4C分析，提出雄獅旅遊可學習與改善之處，提出其建議與結論。建議部分除包含對雄獅旅遊平台可參考之實際作法外，也試圖提出旅遊業建構電子商務社群網站可考慮之架構與資源分配之原則。 / The modern lifestyle has been intensely affected right after the invention of Internet and the era of knowledge economy. With the Internet usage expended all over the world, the rapid increasing in the number of Internet users will share many common interests. However, due to the fact that they are all from different geographical areas, these huge amounts of Internet users will become participating in the formation of many online virtual communities in order to gather and share their ideas and thoughts. The Web2.0 concept first appeared in 2004, the fundamental principle of “network as platform” makes this trend has a much cleared definition. The collective intelligence that users build became the core of Internet resource. The Internet has transformed from an information-based network to a human based network, from giving one way to multiple ways exchanging. This research mainly focuses on the largest travel agency in Taiwan, Lion Travel Corporation. Utilize the researcher’s internship experience and interviews with the head of E-Commerce department to intensely study the marketing methods that the company employs through Lion Travel’s official website, liontravel.com, in addition to its online brand management and its marketing strategies on the outer virtual community sites such as Facebook and YouTube Channels. The thesis employs Chiu’s (2010) four cost (4C) analysis to examine Lion Travel Corporation online marketing activities via a constructively critical lens. These four costs include external unit costs, information search costs, moral hazard costs and firm-specific assets costs. Moreover, this thesis chooses an international renowned online travel agency Expedia Inc. to set as a benchmarking case study sample for Lion Travel. Expedia Inc. has not only many very successful online e-commerce travel web stores but also established TripAdvisor virtual community to enhance its e-commerce utilities. TripAdvisor is a excellent example in managing collective intelligence, gathering travelers from all over the world to help them building travel industry knowledge. From comparing Lion Travel Corp. and Expedia Inc.’s online marketing strategies utilizing 4C analysis, the thesis has made several notable conclusions for Liontravel.com to imitate. The recommendations include not only some Expedia and TripAdvisor’s website practical methods but also given some advices for resource allocations.

隨著科技不斷地進步與網際網路的日益普及，消費者手中的智慧型手機似乎早已不限用於傳統的通話功能。作者在十幾年前就曾幻想過，如果將來出門在外身上可以只攜帶一支手機，那該有多好。沒想到當初天真爛漫的想像，轉眼幾年後便已幾乎實現。隨著相機、手電筒、地圖、筆記本、隨身聽……等等逐一被我們放進智慧型手機裡，手機已經不再只是手機。而近年來大眾開始把「錢」放進手機，許多企業也紛紛推出「結合手機與錢」這種概念的各式產品與服務。當供給端與需求端都已出現時，行動支付產業就此產生。 行動支付有許多應用與模式，本研究主要針對兩個以即時通訊應用程式為初始業務的案例―微信以及LINE進行探討。兩家案例公司都是在原有業務成長至一定規模後，開始發展新興行動支付業務，分別為：微信發展微信支付，LINE發展LINE Pay。本研究不僅透過資料瞭解這兩個案例之發展歷程、營運模式以及現況；同時藉由策略行銷4C理論架構，逐步分析這兩個案例是如何各自處理交換關係中的四個成本。 研究結果發現，歷經了差不多的光陰，兩個案例所呈現出的現況卻是天壤之別。儘管兩者因為政治環境、市場規模，以及所面對之消費者習慣上的差異，導致經營成效有所落差。不過排除這些先天因素，微信支付相較於LINE Pay，確實於各階段將4C策略執行地更加完善，並因此推動4C良性循環。LINE Pay本身對於4C架構仍有許多進步空間，本研究最終建議LINE Pay可以參考微信支付部分作法，並針對台灣市場適度調整，期許LINE Pay能順利啟動4C良性循環，為自己創造長期競爭優勢。 / With the advances of technology and the popularization of the internet, nowadays smartphones can perform several functions besides communication (e.g., camera, flashlight, map, notebook, Walkman). Moreover, people begin “putting” the money on their smartphones in recent years. Many corporations have also launched new products or services featuring the combination of mobile phone and money. As the growth of both supply and demand in the market, the mobile payment industry has gradually formed. There are many kinds of application and models in the mobile payment industry. This thesis concentrates the attention on two instant messaging companies―WeChat and LINE. Both companies began expanding mobile payment business―WeChat Pay and LINE Pay―after their original business grew mature. This thesis not only reviews the development history and business models of two companies, but also uses the 4C analysis framework to analyze how they dealt with the four transaction costs. The study shows that the operating results of WeChat Pay and LINE Pay are very different. There is still room for LINE Pay to grow. Although WeChat Pay and LINE Pay face quite distinct political environment, market size, and consumers, the thesis suggests that LINE pay can refer to the strategies and methods of WeChat Pay, and make some adjustments so as to successfully create the positive 4C cycle and long-term competitive advantage.

First part of my work sumarises theory of strategic analysis, describes individual analysis such as PEST analysis, analysis 4C, SWOT analysis. Second part describes concrete company. Third part applies these analyses to described company. At the end of my work are written recommendations for company.

Diploma thesis describes strategy analysis of the enterprise producing interior and facade paints. In diploma thesis are used such analysis as PEST, 4C, Porter's 5F model, internal factors and SWOT analysis. On the basis of SWOT analysis is formulated strategy for improving competitive position of the enterprise on the market.

Diploma thesis deals with the strategic company analysis. First part is about charac-terisation of strategy and methods of internal and external strategic analysis. These methods are PEST analysis, 4C analysis, sector analysis, Porter's five forces model, analysis of business resources and financial analysis. Second part of the work is practical aplication of these methods on the specific business entity.