| Summary: | 碩士 === 國立交通大學 === 管理學院碩士在職專班國際經貿組 === 95 === This thesis aims at studying the development and the strategies of the traditional banks in recent years. This thesis includes a survey on the changes in the financial environment in Taiwan. A local bank, HsinChu International bank, has also been recearched in regards to its recent transformation and the causes.
Under the highly competitive environment, a lot of traditional banks have been trying to increase their markets. They are doing this by offering their customers cards in any possible conditions, releasing excess loans, or selling creditors’ right. These strategies have created a lot of social problems. Along with the increase of the direct finance and the decrease of the indirect finance this year, a lot of the traditional or domestic banks have been merged with bigger financial organizations. Businesses and enterprises have also become less dependent on the traditional banks for loans since these bigger financial organizations offer more ways and lower interest rates for business loans such as regular, special or company loans. These new financial organizations have also impressed people with their easier access to banking services and their diversified and open money market.
Through the transformation by merging into a bigger financial organization, a lot of local or traditional banks expect to be more diversified or internationalized. They expect to provide diversified service to meet more people’s needs so that their markets can be expanded and multiplied.
The result of this study shows that it is necessary for a traditional bank to be merged with a bigger financial organization in order to promote and improve its market. It is more important that a traditional bank focus on the improvement of their own system and management, i.e., building a sound business system, making use of man power and internet service. Then a Local bank would be the elect target.
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