在全球化、區域經濟整合的時代來臨，兩岸金融隨著世界貿易組織的規範而向全球開放，台灣銀行業將面臨嚴峻的挑戰與機會，且因國內金融市場過度競爭，以及台商全球化布局，為滿足客戶的跨國金融需求，國內金融機構日益著重於海外市場布局，逐漸走向區域化、國際化發展已成必然的趨勢。然而面對瞬息萬變的國際市場，台灣銀行業如何因應環境趨勢，因勢而變，適時轉型，以提升其國際競爭力，並保持永續成長的動能，實為國內銀行業重要的經營議題。 本研究選擇頗受國際財經專業雜誌肯定的個案銀行為例，個案銀行連續多年被國際財經專業雜誌選為台灣地區最佳銀行，在台灣市場的外匯交易、貿易融資、現金管理、網路銀行、財富管理、投資銀行、債券交易與聯貸等業務皆於國內同業領先之地位。本研究試圖分析目前台灣銀行業與個案銀行在現行的海外市場營運面臨之問題與挑戰，並探究個案銀行如何依循其企業願景，擬定海外擴張策略，並決定經營目標和經營方針，然後透過新商業模式的建立，將其所擁有的資源，進行分配和調整，複製台灣成功經驗，建置亞太地區交易型金融平台，有效連結海外分行平台，使得銀行可以建立以客戶為中心的核心價值，以經營客戶全面關係管理為主軸，深入掌握不同客戶區隔的需求與市場脈動，提供最貼切的金融解決方案與服務，以獲得可持續之競爭優勢。 / As a combined result of globalization, economic zone integration, and increased cross strait openness stipulated by WTO rules, Taiwan’s banking industry is now experiencing both intense challenges and increased opportunities. As Taiwanese companies have become more internationalized and Taiwan’s local banking market remains hypercompetitive – Taiwan banks have increasingly focused on building up overseas platforms to meet customers’ financial needs. In short, maintaining competitiveness and growth expectations within this dynamic business environment is a top goal for Taiwanese banks. In our research we look at “Case Bank”, which has been designated ‘The Best Bank in Taiwan’ by several financial magazines. Case Bank is a market leader in FX trade, transactional based lending products, cash management, net banking services, wealth and investment management, bond trading, and syndication. Our research assesses the challenges that both Case Bank and other Taiwanese banks face with respect to overseas platforms. Our study also looks at how Case Bank has executed its overseas strategic objectives including, management strategy, business objectives, resource allocation, transaction platforms, and networking synergies. Overall, our research concludes that Taiwan banks’ best practices with respect to developing overseas business model include: focus on customer-centric core values, relationship management, understanding demand by segment and industry, and providing superior financial solutions.

With the 1980s, as a result of economic and financial deregulation policies, housing finance systems in most countries have had great transformations and have become market-oriented. Recently, in Turkey, a draft law was submitted to the parliament which can be regarded as an attempt to integrate housing finance to capital markets through the establishment of secondary market for housing loans extended by commercial banks. In this thesis, it is aimed to evaluate the role of housing loans extended by commercial banks on housing finance in Turkey, to assess the prospective legal regulation in terms of lenders and borrowers of housing loans and to discuss the anticipated impacts of this scheme to the commercial banks, the housing loans and borrowers within the context of global trends in housing finance. For these purposes, housing files extended by commercial banks have been examined and in-dept interviews have been conducted with interviewees from commercial banks, Capital Market Board and Housing Development Administration. As a result, it is found out that the role of housing loans extended by commercial banks is very limited in housing finance in Turkey and only high income groups can access these loans. Moreover, it is explicit that the housing finance scheme in the draft law is entirely market-oriented and targets the middle and upper income groups. On the other hand, such a policy orientation is quite problematic and paradoxical in that / the housing problem in Turkey is most dramatically felt by the lower middle and low income groups.

Šiuo metu Lietuvoje kredito sektoriuje šalia komerciniu banku veikia smulkios kooperatinės finansinės institucijos – kredito unijos. Kredito unijos – kooperatiniais pagrindais suskurta kredito įstaiga, teikianti įvairias finansines paslaugas tik savo nariams: priima indėlius, suteikia paskolas, teikia kitas paslaugas, savo lėšomis remia verslo pradžia ir plėtra, vykdo įvairius projektus. Kredito unijos yra sukurtos fizinių asmenų, mažų įmonių atstovų, žemdirbių, ūkininkų iniciatyva, todėl kredito unijų išduodamos savitarpio paskolos yra skirtos mažesnes nei vidutines pajamas gaunantiems klientams bei smulkiam verslui remti. Šiuo metu Lietuvoje kredito sektoriuje šalia komercinių bankų veikia smulkios kooperatinės finansinės institucijos – kredito unijos. Kredito unijos pagal valdymo struktūra, kapitalo formavimą nėra analogiškos komerciniams bankams institucijos. Šio baigiamojo darbo pagrindinis tikslas – ištirti kredito unijų teisinį statusą Lietuvos Respublikos finansų sistemoje bei išanalizuoti kredito unijų vystymosi perspektyvas Europos Sąjungos ir Lietuvos finansų sistemoje. Pagrindinė darbo problema, ar pakankamai sureguliuota teisiškai kredito unijų veikla. Išanalizavus įstatymus ir kitus norminius aktus, padaryta išvada, kad Lietuvoje gan gerai reglamentuojama kredito unijų veikla, nes kredito unijos narių skaičius didėja ir kredito unijų teikiamų paslaugų populiarumas didėja. Kai įstatymai sukuria gerą legalią darbo atmosferą, tai skatina kredito unijų atsiradimą ir... [to full text] / At present time in the credit sector of Lithuania in line with commercial banks one can find small cooperative financial institutions or credit unions. A credit union is a credit institution, established on a cooperative basis, which supplies various financial services to its members. A credit union accepts deposits, provides credits and other services, gives support to the establishment and development of business and implements different projects. Credit unions are usually established by the initiative of natural persons, representatives of small enterprises and farmers, therefore mutual credits provided by credit unions are targeted at clients with lower than average income as well as to support small business.

Thesis (M.B.A.)--University of Hong Kong, 1996. / Includes bibliographical references (leaf 114-115).

abstract: Chinese commercial banks have experienced a period of fast and stable development since 2007. The adoption of a comprehensive enterprise risk management (ERM) system based on the Basel Accords was a significant event for the banking supervisory authority and the commercial banks during this period. This study investigates the impact of ERM adoption on the financial performance of the commercial banks as well as the underlying mechanisms using longitudinal data of 96 commercial banks from 2007 to 2016. Results from quantitative analyses suggest the following findings. First, ERM adoption had a positive impact on commercial banks’ financial performance after controlling for the negative impacts of factors such as macro economic conditions and fiscal and monetary policies. Second, although this positive impact was partially attributed to increased risk appetite after the adoption of ERM, results show that ERM adoption also increased risk-adjusted financial performance. Lastly, ERM adoption improved commercial banks’ competence in risk management, as indicated by their sensitivity of financial returns to risk exposures. The above findings also received support from interviews and surveys of senior executives of commercial banks and officials of the banking supervisory authorities. This study contributes to the understanding of how the adoption of ERM influences the financial performance of Chinese commercial banks, and has important practical implications. Based on the empirical findings, I recommend all commercial banks in China to adopt and implement ERM so that they can better cope with the challenges presented by macroeconomic uncertainty, marketization, and internationalization. In the process, it is critical for them to understand the mechanisms through which ERM influences their performance. Meanwhile, they shall be aware of the operational costs associated with the initial adoption of ERM, learn from the experiences of those that have already adopted ERM, and have a long-term orientation about performance effect of ERM adoption. Supervisory authorities can also play a key role in guiding commercial banks to be more effective and efficient in the adoption of ERM. / Dissertation/Thesis / Doctoral Dissertation Business Administration 2018

Abstract in English, Afrikaans and Setswana / The study aimed to develop an appropriate cross-border banking framework for competitiveness in East Africa. To this end, Kenya Commercial Bank was chosen as case study, as it allowed for an examination of global, multi-domestic and transnational cross-border competitiveness strategies. The political and sociocultural environments were the moderating variables for the study, while the sub-variables of competitive advantage were efficiency, risk management, learning and innovation. A mixed methods sequential approach was utilised, with the quantitative approach employing a cross-sectional survey research design as framework, while probability and nonprobability sampling techniques were used for collecting quantitative and qualitative data respectively. Both close- and open-ended questions were used. The quantitative phase of the study sampled 217 potential participants and received 168 responses, which is a response rate of 77 per cent. Data were analysed using SPSS software, which provided descriptive and inferential statistics. Thereafter, a framework for cross-border banking was developed, using regression analysis. The qualitative phase of the research employed a case study design, with interviews being conducted with employees of Kenya Commercial Bank. To this end, purposive, convenience and snowball sampling was utilised. In addition, qualitative data were processed and analysed through the use of MAXQDA software. Trustworthiness and rigour were enhanced by transcribing the interviews and reviewing them for accuracy. The quantitative and qualitative data were subsequently synthesised, taking into account their points of convergence and divergence. The study finally established that the most appropriate framework for competitiveness was to strategically integrate multi-domestic and global strategies, and moderate these by taking into account prevailing political and sociocultural environments. Elements for global configuration included centralisation, standard procedures, similar policies, organisational structures, global dynamics and global appeal. By contrast, the critical elements for a multi-domestic strategy included decentralisation, different procedures/policies/organisational structures and marketing approaches, flexibility, local responsiveness, as well as local dynamics and local appeal. / Hierdie studie is daarop gemik om ’n gepaste oorgrens-bankweseraamwerk vir mededingendheid in Oos-Afrika te ontwikkel. Met hierdie doel voor oë is die Kenya Commercial Bank as gevallestudie gekies, omdat dit die navorsers in staat gestel het om wêreldwye, multibinnelandse en transnasionale oorgrens-mededingendheidstrategieë te ondersoek. Die politieke en sosiokulturele omgewings is die moderatorveranderlikes vir die studie, terwyl doeltreffendheid, risikobestuur, leer en innovering die subveranderlikes van mededingingsvoordeel is. ’n Opeenvolgende gemengemetodes-benadering is gevolg – die kwantitatiewe benadering maak gebruik van ’n deursnee-opname-navorsingsontwerp as raamwerk, terwyl waarskynlikheid- en nie-waarskynlikheid-steekproefnemingstegnieke gebruik is om onderskeidelik kwantitatiewe en kwalitatiewe data in te samel. Geslote vrae én oop vrae is gebruik. Tydens die kwantitatiewe fase van die studie is 217 potensiële deelnemers genader en 168 het geantwoord. Die responsiekoers was dus 77 persent. Data is ontleed met behulp van SPSS-sagteware, wat deskriptiewe en inferensiële statistiek opgelewer het. Daarná is daar met behulp van regressie-ontleding ’n raamwerk vir oorgrens-bankwese ontwikkel. Tydens die kwalitatiewe fase van die navorsing is gebruik gemaak van ’n gevallestudie-ontwerp – onderhoude is gevoer met werknemers van Kenya Commercial Bank. Hiervoor is doelgerigte, gerieflikheids- en toenemende steekproefneming gebruik. Daarby is kwalitatiewe data verwerk en ontleed met behulp van MAXQDA-sagteware. Betroubaarheid en nougesetheid is bevorder deur die onderhoude te transkribeer en te hersien vir akkuraatheid. Die kwantitatiewe en kwalitatiewe data is daarná saamgevoeg met inagneming van die punte waarop die data ooreenstem en verskil. Uiteindelik het die studie bepaal dat die mees gepaste raamerk vir mededinging sou wees om multibinnelandse en globale strategieë te integreer en te modereer met inagneming van heersende politieke en sosiokulturele omgewings. Die elemente van wêreldwye konfigurasie sluit in sentralisering; standaardprosedures; ooreenstemmende beleide, organisasiestrukture en globale dinamiek; en globale aantrekkingskrag. Daarenteen sluit die noodsaaklike elemente vir ’n multibinnelandse strategie die volgende in: desentralisering; verskillende prosedures, beleide, organisasiestrukture en bemarkingsbenaderings; buigsaamheid; plaaslike responsiwiteit; plaaslike dinamiek; en plaaslike aantrekkingskrag / Maikaelelo a thutopatlisiso e ne e le go tlhama letlhomeso le le maleba la go ralala melelwane la kgaisano kwa Aforikabotlhaba. Go fitlhelela seno, go tlhophilwe Banka ya Kgwebo ya Kenya go sekasekwa, ka ntlha ya fa e ne e kgontsha tshekatsheko ya ditogamaano tsa kgaisano tsa selegae-bontsi le ditlamo tse di kgabaganyang ditšhaba le melelwane. Ditikologo tsa sepolotiki le loagosetso e nnile dipharologantsho tse di dirisitsweng mo thutopatlisisong, fa dipharologantshopotlana tsa tshiamelo ya kgaisano e nnile bokgoni, tsamaiso ya matshosetsi, go ithuta le go itlhamela. Go dirisitswe mokgwa o o tswakantsweng o o sekasekang data go tswa kwa tshimologong, fa mokgwa wa go lekanyetsa dipalopalo ka go dirisa thadiso ya patlisiso e e ralalang maphata e nnile letlhomeso, mme go dirisitswe thekeniki e bannileseabe ba kokoanngwang mo thulaganyong e e nayang batho botlhe ditshono tse di lekanang tsa go ka tlhophiwa le e e sa neyeng batho botlhe ditshono tse di lekanang tsa go ka tlhophiwa go kokoanya data e e ka kgonang go lekanyediwa le e e ka se keng ya kgona go lekanyediwa. Go dirisitswe dipotso tse di batlang karabo ya ee kgotsa nnyaa le tse di batlang tlhaloso. Legato la patlisiso le le akaretsang dipalopalo le tlhophile batho ba ba ka nnang le seabe ba le 217 mme ga amogelwa tsibogo ya ba le 168, se e leng tsibogo e e lekanang le diperesente tse 77. Go sekasekilwe data go dirisiwa serweboleta sa SPSS, se se tlametseng ka dipalopalo tse di tlhalosang le tse di lebisang kwa ditshwetsong. Morago ga moo go ne ga tlhamiwa letlhomeso la banka e e dirang go kgabaganya melelwane, go dirisiwa tshekatsheko e e lekanyetsang kamano ya dipharologantsho. Legato la go tlhaloganya mabaka la patlisiso le dirisitse mokgwa wa go lebelela rekoto ya setheo se se rileng, mme go botsoloditswe badiri ba Banka ya Kgwebo ya Kenya. Go fitlhelela seno, go dirisitswe mokgwa wa go tlhopha sampole ka go tlhopha, go dira gore bannileseabe ba ngoke bannileseabe ba isago le go tlhophiwa ga bannileseabe ba ba fa gaufi. Go tlaleletsa foo, data e e sa kgoneng go lekanyediwa e sekasekilwe ka tiriso ya serweboleta sa MAXQDA. Go okeditswe boikanyego le kelotlhoko ka go gatisa dipotsolotso le go di sekaseka gape go tlhomamisa nepagalo. Data e e kgonang go lekanyediwa le e e sa kgoneng go lekanyediwa di ne tsa kopanngwa, go lebeletswe dintlha tsa tsona tse di golaganang le tse di fapaaneng. Gape thutopatlisiso e lemogile gore letlhomeso le le maleba go gaisa la kgaisano ke gore go nne le togamaano ya go golaganya ditogamaano tsa selegae le tsa lefatshe, mme di sekasekiwe go etswe tlhoko tikologo e e gona ya sepolotiki le loagosetso. Dintlha tsa thulaganyo e e akaretsang di akareditse go tlisa ditirelo fa lefelong le le lengwe fela, ditsamaiso tse di tlwaelegileng, dipholisi tse di tshwanang, dipopegotheo tsa setheo, diphetogo mo lefatsheng mmogo le kgatlhego mo lefatsheng. Go farologana le seo, dintlha tsa botlhokwa tsa togamaano ya selegae-bontsi e akareditse go tlisa ditirelo fa lefelong le le lengwe fela, dithulaganyo/dipholisi/dipopegotheo tsa setheo tse di farologaneng le mekgwa ya papatso, go obega, tsibogo ya selegae, gammogo le diphetogo tsa selegae le kgatlhego ya selegae. / Graduate School of Business Leadership / D.B.L

Master's thesis is devoted to the analysis of revocation of licenses from commercial banks. The purpose of writing a master's thesis is to analyze the state of the banking sector from the perspective of reducing the number of valid licenses, suggest possible approaches to determining whether there is evidence of a possible revocation of a license from a credit institution and provide a forward-looking estimate of the further development of the banking sector. During the work, an analysis was made of the state of the banking sector of the country when revoking the license; identified and identified signs that can warn banks from the ban on the conduct of banking operations on the basis of the seven banks in the country, which allowed to assess the impact of revocation of a license for the development of the banking system of the Russian Federation. / Магистерская диссертация посвящена вопросам анализа отзыва лицензий у коммерческих банков. Цель написания магистерской диссертации – на основе анализа состояния банковского сектора с позиции сокращения количества действующих лицензий, предложить возможные подходы к определению наличия признаков возможного отзыва лицензии у кредитной организации и дать прогнозную оценку по дальнейшему развитию банковского сектора. В ходе работы был проведен анализ состояния банковского сектора страны при отзыве лицензии; выявлены и определены признаки, способные предостеречь банки от запрета на осуществление банковских операций на основе рассмотренных 7 банков страны.

Выпускная квалификационная работа (магистерская диссертация) посвящена исследованию финансовых методов предотвращения банкротства коммерческого банка. Предмет исследования –совокупность экономических отношений, связанных с анализом методов предотвращения банкротства коммерческих банков. Цель исследования – анализ результативности применения финансовых методов предотвращения банкротства коммерческих банков, оценка имеющихся проблем и разработка предложений по их совершенствованию. / Final qualifying work (master's thesis) is devoted to the study of remote banking in Russia. The subject of the study of the master's thesis are the economic relations associated with the system of organization and functioning of remote banking. The aim of the study is the theoretical and practical analysis of remote banking services (DBO), as well as the identification of problems and prospects of development of remote banking services in the Russian Federation and the development of measures to improve it.

Магистерская диссертация посвящена анализу технологических инноваций в банковской сфере. Целью исследования является разработка технологических усовершенствований клиентских сервисов и оценка экономической эффективности их практической реализации в АО «Альфа-Банк». В работе сделан вывод о том, что внедрение цифровых технологий в банковские сервисы позволяет снизить операционные расходы и улучшить качество клиентского обслуживания. В работе актуализируется, что имплементация искусственного интеллекта и роботизированных систем является долгосрочным трендом развития банковского сектора. / Master's thesis is devoted to the analysis of technological innovations in the banking sector. The aim of the study is to develop technological improvements of customer services and to assess the economic efficiency of their practical implementation in JSC "Alfa-Bank". The paper concludes that the introduction of digital technologies in banking services can reduce operating costs and improve the quality of customer service. The paper actualizes that the implementation of artificial intelligence and robotic systems is a long-term trend in the development of the banking sector.

Выпускная квалификационная работа (магистерская диссертация) посвящена исследованию деятельности коммерческих банков на рынке банковских карт. Предметом исследования является деятельность коммерческих банков с банковскими картами в Российской Федерации и проблемы их развития. Основной целью магистерской диссертации является углубленный анализ функционирования коммерческих банков с банковскими картами, а также исследование современных проблем развития данного финансового института и путей их решения. В заключении изложены основные выводы, полученные в работе, и проведено соотнесение достигнутых результатов с целями и задачами работы, поставленными во введении. / The final qualification work (master's thesis) is devoted to the study of the activities of commercial banks in the bank card market. The subject of the study is the activities of commercial banks with bank cards in the Russian Federation and the problems of their development. The main goal of the master's thesis is an in-depth analysis of the functioning of commercial banks with bank cards, as well as a study of modern problems of the development of this financial institution and ways to solve them.In the conclusion, the main conclusions obtained in the work are presented, and the results achieved are compared with the goals and objectives of the work set out in the introduction.