台灣銀行業不斷受到金融自由化與國際化的衝擊，使得整體金融環境充滿轉機與危機，其中銀行家數過多以及銀行整體逾放比偏高是影響銀行經營績效的主要問題。本國五十幾家銀行商品的同質性高也導致銀行業動輒以價格競爭為手段，使得銀行經理人除追求最大利潤外，銀行經營策略之差異化，已成為許多銀行為因應時代潮流變化以求降低成本、提高效率及改善資產品質之重要方法，以期能永續發展。
本研究從行銷策略、定價差異化、作業效率、顧客回應力、與創新學習能力等面向分析對經營績效影響，主要目的係探討個案銀行業者，就總體環境所面臨環境變遷，其所採用策略之有何差異？樣本選定本國某大型金控之一銀行(Ａ公司)，藉由此金控銀行之消金業務為實證分析之內容，以驗證本研究之目的。
本研究採個案研究法，藉由訪談Ａ公司高階主管、瀏覽該公司入口網站及官方統計資料之三角驗証，透過客觀的觀察及科學的主觀解釋，研究結果顯示，此個案公司會運用不同之經營策略及競爭優勢，來確保其公司的組織績效。實證重要發現如下：
1.「經營策略à組織績效」因果模式獲得支持。
2.定價差異化策略會影響組織績效。
3.行銷策略會影響組織績效。
4.作業效率會影響組織績效。
5.愈重視顧客回應/速度，則組織績效愈高。
6.內部員工之創新學習力會影響組織績效。
歸納起來，國內銀行服務業關鍵成功因素為：行銷策略、定價差異化、作業效率、創新學習力、快速顧客反應力等。
文末對產業界及學界提出建議，包括：(1)公司經營重點。(2)公司的競爭利基。(3)建立信用風險的管理制度。(4)改採作業集中化以提升作業效率。(5)平衡計分卡如何達到組織之綜效。(6)對後續研究的建議。 / Because of the liberalization and internationalization in the banking industry in Taiwan, the business performance in the banking industry is affected by the percentage of Non-performing Loan and overmuch bank. The banking industries take the advantage of economic scale and the competitive managerial characteristic to be blooming in both rural and metropolitan area over the country. However, at the era of operating orientation super-competitive, a universal operating strategy adopted by the banking industries can not be satisfies the demand of customers living in different location. In order to reduce the operating cost and improve the quality of asset, differentiation operating strategies are the primary goal to achieve the maximum profits in banking industry.
The main purpose of this study is to analyze specific case study of the operating performance from marketing strategies, pricing discrimination, operating efficiency, customer reaction, and learning ability creatively. The case study from a financial holding company (company C) in Taiwan experiments with the consumer banking business.
Using official statistic data, interviewing the executives and visiting the portal site of company C, the case study demonstrates that company C keeps the operating performance through different operating strategies and competition advantages. Major findings of this study were highlight below:
1. Business strategies influence organization performance.
2. Pricing discrimination will affect the organizational performance.
3. Marketing strategies will affect the organizational performance.
4. Operating efficiency will affect the organizational performance.
5. The higher performance will be achieved if rapidly replying the customer demands.
6. Learning abilities creatively from employee will be affected organization performance.
In conclusion, the key factors that bank industry achieves success are as follows: marketing strategies, pricing discriminatively, operating efficiently, learning abilities creatively, and responding customers rapidly.
Finally, we suggest on further study as follows:
1. The key points of operating strategies.
2. Competitions advantages of a company.
3. Establishing the credit risk systems.
4. Operating centralization could improve operating efficiency.
5. Acquiring synergy by using balanced scorecard.
| Identifer | oai:union.ndltd.org:CHENGCHI/G0095932214 |
| Creators | 林炳輝 |
| 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 |
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