近二十年來，臺灣積極推動金融自由化及國際化，臺灣銀行業於1991年陸續開放16家新銀行設立以來，競爭加劇。同時，臺灣正式加入WTO後，臺灣金融機構面臨來自國際間跨國金融業嚴峻的挑戰，然而銀行體系普遍所面臨的問題，包括銀行家數過多、規模過小、同質性過高、逾放比過高等現象，都是主管機關在近年來希望能進行金融改革的重要課題。正當此際，為了迎接國際強大的金融集團競爭挑戰，政府必需盡速解決國內的金融問題，加速整合金融機構，因此早在2001年6月27日即通過《金融六法》，其中《金融控股公司法》對臺灣金融業的影響甚巨，其立法目的是希望臺灣金融體制朝向“股權集中化、組織大型化、經營多角化、監理透明化”方向發展，以提升金融機構的競爭力及國際化。
《金融控股公司法》通過至今已有十四家金融控股公司成立，重整了金融版圖，也影響銀行的經營模式。本研究透過搜集先進國家的金融制度發展及臺灣目前金融市場概況來研究金融控股制度對銀行業經營所產生之影響。
跨業經營已是國際間金融業整合之趨勢，因此，金融控股公司法的設立將付予臺灣金融機構進行整合、轉型的機制，讓其更具競爭力，只是是否每一金融控股公司均能成功經營，恐怕短期間業者仍要面臨階段性的調整壓力，並非一蹴可及；再則，在該法設立後，金融監理一元化將更形重要，否則當金融機構跨業經營形成金融巨人後，未來發生弊端時，就會變成金融怪獸，所引爆的金融危機，將更為迅速且嚴重，連鎖反應將更為擴大。究竟金融控股公司的設立，能否為臺灣的金融業帶來生機？以及政府應在准許業界設立金融控股公司的同時，要如何建立專業、獨立與有效率的監理機制，以避免增加業者的管理成本，並提升金融業的競爭力？是本文的研究目的。
本研究以質化研究中之個案分析法為研究方法，針對個案公司之總體策略進行研究，以策略形態分析法進行。因我國金控公司成立年代尚短，金控公司中子公司業別、轉投資事業與策略聯盟等總體策略的完整性與代表性皆具足較少，在個案選擇上來源有限。富邦金控（Fubon Financial Co., Ltd）在子公司業別、轉投資事業與策略聯盟等總體策略的完整性與代表性較其他金控公司相對完整，且經營績效表現亦佳，故以個案分析法綜合上述資料分析歸納出本研究之結論。
研究結果顯示，金融控股公司制度為近代世界金融體制之新潮流，全球金融商品已進入國際化，多元化的時代，傳統銀行的金融商品已無法滿足顧客之需求，因此銀行經營多元化已為一種趨勢，在金控公司體制下的銀行可藉交叉行銷金控子公司之各項金融商品提供顧客「一次購足」的服務，且能有效運用資源，降低成本，因此較單獨經營之銀行更具範疇經濟的效果及優勢。所以許多銀行選擇加入金控公司，也間接加速了銀行合併。 / Taiwan has been actively promoting financial liberalization and internationalization in the last two decades, and the competition is intensified when 16 new banks were set up since 1991. After Taiwan enters WTO formally, all the financial institutions face severe challenge from international banks, moreover, the domestic banking system has been facing problems such as over banking, small business scale, similar business nature, high NPL ratio, etc, and these are the problems that the government must solve as quick as possible. Taiwan government passed "Six Laws on Finance" on June 27th 2001, in order to improve the competitiveness and internationalization of the financial institutions in the following four aspects, "centralization of ownership, organization maximization, business diversification and transparent supervision".
Cross business operating is becoming the main driver of international financial industry integration nowadays. The Financial Holding Company Law can help Taiwan financial institutions to merge and transform to become more competitive. At the same time, supervising authority should also review the guidelines and standards to cope with the fast changing financial habitat. The purpose of this thesis is to evaluate the impact of the Financial Holding Company model to the Taiwan financial industry and the measures that authority should take to have better monitoring and supervising over financial institutions in the effective and cost saving way.
The case analytic approach in this research is studied with the qualitative method and analyzed by shape tactics. Fubon Financial Holding Company is more representative with better performance, so we choose it as an example in our case study.
The study result shows that financial holding company model is a new trend of the modern banking system. Traditional financial products can no longer meet customers’ needs and the global financial products nowadays must be internationalized and diversified, that’s why diversification of business is also a main theme of the banking industry now. Under the Financial Holding Company model banks can cross sell products from subsidiaries of holding companies. By providing this “one stop shopping” service banks can allocate resources more efficiently and lower cost, so a lot of banks choose to join to become Financial Holding Company and which accelerated the merger of banks indirectly.
| Identifer | oai:union.ndltd.org:CHENGCHI/G0095932403 |
| Creators | 陳瑞輝, Chen Jui Hui |
| Publisher | 國立政治大學 |
| Source Sets | National Chengchi University Libraries |
| Language | 中文 |
| Detected Language | English |
| Type | text |
| Rights | Copyright © nccu library on behalf of the copyright holders |
Page generated in 0.0026 seconds