| Summary: | 碩士 === 義守大學 === 管理科學研究所 === 92 === Abstract
Since 1991, our government has agreed for application of establishment from sixteen (16) new banks and also loosens the condition of limitation for foreign bank to establish branches in Taiwan. Currently under the over banking situation in Taiwan and the rapidly drastic competition on financing market, this environment pushes most new bank widely and strongly to promote the consumptive financing business. Recently the global banks are widely open the consumptive financing business the main reason is not only every country loosen the relative regulation of loan and their government trying to stimulate consumption strategically and upgrade technique of financing, but also consequence vast benefit from consumptive financing business deeply attracts lots financing organization to fully involve into this field. In recently years, the government owned banks were long suffering this recession of integrated economics for years, low atmosphere of stock market, long term of low interest rates, hard running to tradition industries/enterprises, therefore they pursue another business with higher gained benefit-- consumptive financing business.
On facing competition and challenge enrolling into consumptive financing market from financing organization, the government owned banks are adjusting their organization, rebuilding their enterprise, strengthening risk management, executing management of enterprise, promoting business of electronic bank, expanding consumptive financing and private bank business, speeding up the merged rate of financing organization, proceeding the spin-off business, developing new financing products and professional human resource of information and financing, etc. to suite this rapid changes of business circumstance, solve the problem of business, and promote the competition. Taiwan Cooperative Bank is one of government owned bank and in recent years their supervisors correctly carry out the cost-lead, the management strategy of diversity and centralized, so as all branch leaders and clerks now the current need from work and orientation by the results under the analyze from SWOT. On consumptive financing, they promote the three in one card─Combo Card and now it becomes the greatest issuing card already. This strategy and effect such as a lion that is fallen asleep wake up suddenly can be a good reference for all government owned bank.
This research wish help all government owned bank to promote their consumptive financing business and provide an orientation for all following researchers so as to speed up people-run and allow the Taiwan Cooperative Bank more active, agile, innovated enterprise imagine, eternal services, contribute to society, and create the best record.
Key words: consumptive financing, SWOT analyze, foreign allied, government owned banks, five factors analyze
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