Abstract
Globalization and joint of WTO have made Taiwan government to speed up the opening of banking services. The banks in Taiwan are forced to modify their business models in order to increase their competitiveness, especially after the Financial Holding Company Law announcing. All dimension business models for banking industry has handicap for the needs of specific field. Hence, banks have to focus more on the market position and segmentation. Targeting and development of the regional central branch system is an innovation of business model for integrating the current operating system of local branch and organization. The central branch system is able to gather up resources and produce the effect of specialization
Many banks have put central branch system into practice and have received significant achievements, although some banks hang back. Therefore, our study tries to analyze the performance of the central branch system by the seven dimensions business model, and proposes the operating strategies. From the reviews of literature we build up the business model theory, which guide our interviews to the five selected banks. We reach the following conclusion.
1. Route types and backup system play the key roles for operation of the regional central branch system.
2. Operating process has the secondary importance in our seven dimensions business model.
3. Technical innovation, surprisingly, is not important.
4. The viewpoints of the seven dimensions business model for senior and middle managers are slightly different for any single interviewed banks. However, for the comparison of these five banks, the viewpoints for all these senior and middle managers are very consistent.
5. Banks under financial holding company or not do not have different viewpoint. However, banks under financial holding company emphasize more on standardized and profound overall services. Banks not under financial holding company pay more attention on the depth and extent of their products.
Keywords: consumer banking, the regional center of consumer banking, financial holding company, business model, competitive strategy.
| Identifer | oai:union.ndltd.org:NSYSU/oai:NSYSU:etd-0812104-151129 |
| Date | 12 August 2004 |
| Creators | SHEN, SHUI-CHIN |
| Contributors | Chau-jung Kuo, Stephen D. Tsai, David Shyu, Ming-Chi Chen |
| Publisher | NSYSU |
| Source Sets | NSYSU Electronic Thesis and Dissertation Archive |
| Language | Cholon |
| Detected Language | English |
| Type | text |
| Format | application/pdf |
| Source | http://etd.lib.nsysu.edu.tw/ETD-db/ETD-search/view_etd?URN=etd-0812104-151129 |
| Rights | restricted, Copyright information available at source archive |
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