In the beginning stage of economic development in Taiwan, the market was lack of funding and the capital market is immature. The majority of financial institutions are public banks. With the development of financial liberalization, Taiwan government lifted the restrictions on establishing private commercial banks on 1991. Following that, public banks face challenges of the fierce competition with private banks, comply with policy of the authorities to authorize special policy loans or generally take over insolvent banks. The public banks were under such severe challenges and the under performing problems were expected to be solved only by privatization. Consequently, following the Act Governing the Conversion of State Owned Enterprises into Private Enterprises entered into effect in 1992, the Privatization of public banks in Taiwan began. Since the Asia finance turmoil occurred, the operation of financial institution significantly deteriorates. The overall Non-Performing Loan Ratio is high due to low financial institution loan quality. In addition, Taiwan banks face a severe problem that whether the current overall domestic financial market is too small for all the current financial institutions? Is the operation scale of Taiwan banks competitive internationally? Presuming the current operation scale of Taiwan banks is weak among international competition, what are the development alternatives for Taiwan banks? The research scope of this study is based on the current general operations, merger cases, and the development strategies applied in the second stage financial reform of Taiwan banks. In the case study, the merger case targeted is the most successful merger in the second stage financial reform, where the financial product development is improved by the merger synergy. In addition, the policy goals to reduce the number of government-owned banks by half and facilitate introduction of foreign funding are realized, which contributes to Taiwan economic development. This study first introduces the overall development of public banks, followed by case studies of operating performance and financial data on Taiwan Cooperative Bank and the Farmers Bank of China. This study is conducted through the operating performance analysis on two targeted banks and overall banks. The analysis includes return on assets, return on equity, earning per share. Also the analysis includes the comparison analysis of market competition status with financial holding companies, which is critical reference to evaluate the development potential when the Taiwan Cooperative Banks establishes a financial holding company in the future. The analysis further includes combined market analysis, and SWOT analysis to compare the strengths, weaknesses, opportunities and threats of these two public banks.

Made available in DSpace on 2016-06-02T20:38:25Z (GMT). No. of bitstreams: 1 3519.pdf: 1585763 bytes, checksum: e32c6066c26e15e1d450e8b01bbc5ad1 (MD5) Previous issue date: 2010-12-17 / The object of this study is the perceptions and meanings attributed to the public bank employment by employees of a federal bank. The 1990s were a decade of dramatic changes, marked by fusions, acquisitions and privatizations of public banks, intensification of work through expressive extinctions of formal jobs, precariousness of work relations, outsourcing and wage patterns deterioration and, at the same time, profits recovering at the end of the period. Thus, this study aimed to investigate and analyze how the employees of the target bank perceive bank work after the changes produced by the 1990s restructuring process. The first step was to analyze the productive restructuring process on the sector and its implications on work and workers. The second step was to try to characterize the major facts and changes occurred in the bank during the 1990s and early 2000s, via analysis of documents available at Centro de Documentação do Sindicato dos Bancários de São Paulo (documentation department of to the bank workers union in São Paulo). Finally, semistructured interviews were carried out with two groups of workers; group one consisted of ten clerks, staff hired up to 1989, who went through the sector restructuring; group two consisted of ten bank technicians, representing the new generation of bank workers, hired after the 1998 recruitment process. We started from the hypothesis that the mode how the public bank work is perceived by bank workers was negatively affected by changes occurred in the sector in the 1990s, which impacted on the employees mode of being and acting. As a second hypothesis, we believe that such re-signification can only be understood in the light of a process of significant ideological and institutional changes inherent to the flexible capitalism. We found that, for the new generation of bank workers, the perception originated from a synchronic comparison, where the job appears as an alternative to temporary, unstable or flexible work experiences, seems to shape the perception originated from a diachronic analysis, which evinces the historical losses of bank work. Increasing individualism, bradescalização of relations, creation of castes, hierarchical seduction in a context of limited possibilities of career ascension and basic rate of pay deterioration, and reduction of trade union involvement were elements explored by the analysis, which revealed that, considering what remained and what has changed, the stability issue seems to be the central element in the perception and meaning attributed do work, for both groups of workers. Thus, a process involving disruptions and continuities characterizes the re-signification of public bank employment. The disruptions, insofar as the meaning of work is no longer supported by the combination stability-status-wage and through the attenuation of the sense of belonging to a professional category. The continuities, insofar as the stability associated to employment keeps and increases its importance against the current configuration of the world of work, as well by the return and intensification of a trend already present in the pre-restructuring, represented by the idea of temporariness of bank employment. / O presente estudo tem como objeto as percepções e significados atribuídos ao emprego bancário público por trabalhadores de um banco federal. Tendo a década de 1990 sido um período de intensas transformações, marcado por fusões, aquisições e privatizações de bancos públicos; intensificação do trabalho por meio da expressiva extinção de postos formais, precarização das relações de trabalho, terceirizações e deterioração do padrão de assalariamento; e ao mesmo tempo de recuperação dos lucros ao final do período, esta pesquisa teve como objetivo investigar e analisar como os trabalhadores do banco estudado percebem o trabalho bancário após as mudanças decorrentes do processo de reestruturação da década de 1990. O primeiro movimento da investigação foi analisar o impacto desse processo para o setor e para os trabalhadores. Num segundo momento, via análise de documentos disponíveis no Centro de Documentação do Sindicato dos Bancários de São Paulo, buscamos caracterizar os principais fatos e mudanças ocorridos no banco pesquisado durante a década de 1990 e início dos anos 2000. Por fim, realizamos entrevistas semiestruturadas com dois grupos de trabalhadores: o primeiro formado por dez Escriturários, empregados contratados até 1989 que vivenciaram a reestruturação do setor; e o segundo por dez Técnicos Bancários, representantes da nova geração de bancários, cuja contratação se deu após o concurso de 1998. Partimos da hipótese de que as transformações ocorridas no setor na década de 1990 afetaram negativamente o modo como o emprego bancário público é percebido pelos bancários, impactando nos modos de ser e agir do trabalhador. Como segunda hipótese, acreditamos que tal re-significação só pode ser compreendida à luz de um processo de significativas mudanças ideológico-institucionais inerentes ao capitalismo flexível. Assim, constatamos que para a nova geração de bancários a percepção oriunda de uma comparação sincrônica, na qual o emprego aparece como uma alternativa diante de experiências de trabalho temporário, instável ou flexível, parece amoldar a percepção advinda de uma análise diacrônica, que evidencia as perdas históricas do emprego bancário. O crescimento do individualismo, a bradescalização das relações, a criação de castas , a sedução hierárquica em um contexto de limitadas possibilidades de ascensão profissional e de deterioração da remuneração salarial de base, e a diminuição do envolvimento sindical foram elementos explorados pela análise, a qual revelou que, frente ao que permaneceu e ao que se alterou, a questão da estabilidade figura para ambos os grupos de trabalhadores como elemento central na percepção e significado atribuído ao trabalho. A re-significação do emprego bancário público se caracteriza, assim, como um processo que envolve rupturas e continuidades. As rupturas se revelam na medida em que o significado do trabalho já não mais se sustenta no tripé estabilidade-status-salário e pela atenuação do sentido de pertencimento a uma categoria. As continuidades se expressam na medida em que a estabilidade associada ao emprego mantém e amplia sua importância frente à atual configuração do mundo do trabalho, bem como pela reedição e intensificação de uma tendência já presente no pré-reestruturação representada pela ideia de provisoriedade do emprego bancário.

Dans la continuité des travaux de Doney et Cannon (1997), Morgan et Hunt (1994) et Sirdeshmukh et al (2002), cette recherche se propose de tester un modèle structurel intégrateur de la confiance, de ses antécédents et conséquences, appliqué au contexte de la relation banque-client en Tunisie. Ce modèle cherche à mesurer l’effet des facettes institutionnelle et interpersonnelle de la confiance sur l’orientation long terme du client, et ce pour deux structures de gouvernance (publique et privée). Les résultats de la recherche confirment les partis pris conceptuels. Ils valident la structure de la confiance en tant que construit à deux facettes (institutionnelle et interpersonnelle) et trois dimensions (compétence, intégrité et bienveillance). Les effets anticipés sur l’engagement s’avèrent, par contre, contrastés par rapport à ceux révélés dans des recherches antérieures. Ils donnent aux aspects interpersonnels (confiance interpersonnelle et traitement préférentiel) et affectifs (satisfaction) de la relation un poids particulier par rapport aux aspects institutionnels (confiance institutionnelle et valeur perçue) dont les effets s’avèrent faibles, surtout dans la banque publique. Contrairement aux contextes européens et nord américains, la dimension sociale de l’échange s’avère déterminante en matière de construction de relations de confiance dans le contexte tunisien. Les résultats témoignent de l’encastrement de la relation bancaire dans le réseau des connaissances personnelles des individus et mettent en avant l’importance des liens faible, au sens de Granovetter, dans l’engagement du client. / In the continuity of the work of Doney and Cannon (1997), Morgan and Hunt (1994) and Sirdeshmukh and al (2002), this research tests a structural model integrating trust, its antecedents and consequences in the context of bank-client relationship in Tunisia. This model seeks to measure the effect of institutional and interpersonal facets of trust on the commitment of the client in his relationship with his bank, and this for two structures of governance (public and private). Research results confirm the conceptual bias, and validate the structure of trust as a two-facet (institutional and interpersonal) and three-dimensional (competence, integrity and benevolence) construct. The anticipated effects on commitment are, in contradiction, contrasting compared to those revealed in previous studies. They accord a particular interest to interpersonal (trust and preferential treatment) and affective (satisfaction) aspects of the relation vis–a-vis institutional aspects whose effects proved to be weak. In contrast to European and North American cultures, the social dimension of trade is crucial in building trust in the Tunisian context. The results demonstrate the embeddedness of the banking relationship in to the network of individuals and they underline the strength of weak ties, as apprehended by Granovetter, in the commitment of the client.

Made available in DSpace on 2016-04-26T20:48:32Z (GMT). No. of bitstreams: 1 Fernando Montrezol Rejani.pdf: 3112581 bytes, checksum: 53b3d5966ba932cfa06280f07a624551 (MD5) Previous issue date: 2011-03-16 / This present paper consists in analyzing the business strategy of Regional Sustainable Development (RSD) of Banco do Brasil (BB) under two aspects, of which, i) aims at identifying if the operations of BB, an hybrid Bank, that is public and private at the same time, have headroom to freely operate as an agent of the Brazilian development; and ii) to verify if the RSD business strategy is consistent with its proposed objectives and if those objectives are being achieved, in line with the perception of the BB employees interviewd in this research. The investigation method uses bibliographical research and the application of primary research with the internal agents of BB, responsible for the performance of the national strategy of RSD. Two types of questionnaires were applied to the target audience. In the first group of interviewed stakeholders (managers in strategic and tactical level), the criteria of data analysis was global. For the second group (managers at operational level), the criteria of data analysis was based on a significant sample of a population of 230 business plans of RSD spreaded throughout the country. What can be concluded in this study is that the operation of BB, as an agent of development of Brazil, it has certain inner limitations due from its own hybrid nature. It is made clear a tension that exists between the traditional commercial operation of the Bank (private nature) and its more social operations (public nature) in the implementation of the national strategy of RSD. It is worth noting that, the development promoted by the RSD has a few gaps, mainly in regards to the environmental component of the sustainable development and also in regards to the difficulty in implementing its methodology towards productive activities in the urban environments. However, it is worth highlighting that the social-environmental presence of BB, with the RSD, enables the social inclusion, by way of access to banking and credit, in a much wider aspect than the Brazilian private banks / Este estudo consiste em analisar a estratégia negocial de Desenvolvimento Regional Sustentável (DRS) do Banco do Brasil (BB) sob dois aspectos, nos quais, i) busca identificar se a atuação do BB, um banco híbrido, isto é, de caráter público e privado ao mesmo tempo, tem espaço para atuar de forma livre como agente de desenvolvimento do Estado Brasileiro; e, ii) verifica se a estratégia negocial DRS está coerente com seus objetivos propostos e se esses objetivos estão sendo atingidos, de acordo com a percepção dos funcionários do BB entrevistados nesta pesquisa. O método de investigação utiliza-se de pesquisa bibliográfica e de aplicação de pesquisa primária com os agentes internos ao BB responsáveis pela condução da estratégia negocial DRS. Foram aplicados dois tipos de questionários ao público-alvo. No primeiro grupo de entrevistados (Gerentes em nível estratégico e tático), o critério de análise dos dados foi censitário. Para o segundo grupo (Gerentes em nível operacional), o critério de análise baseou-se em uma amostra significativa de uma população de 230 Planos de Negócios DRS espalhados pelo país. O que se conclui neste estudo é que a atuação do BB, como agente de desenvolvimento do Estado Brasileiro, possui certas limitações intrínsecas à sua própria natureza híbrida. Torna-se claro uma tensão existente entre a atuação comercial tradicional do Banco (natureza privada) e sua atuação mais social (natureza pública) na implementação da estratégia negocial DRS. Cabe ressaltar ainda, que o desenvolvimento promovido pelo DRS possui algumas lacunas, principalmente em relação à componente ambiental do desenvolvimento sustentável e à dificuldade de implementação de sua metodologia às atividades produtivas no meio urbano. Entretanto, cabe destacar que a atuação socioambiental do BB, com o DRS, possibilita a inclusão social, por meio da bancarização e do acesso ao crédito, de forma muito mais ampla que os bancos privados brasileiros