| Summary: | 碩士 === 元智大學 === 管理研究所 === 96 === ABSTRACT
As of the end of 2006, many commmercial banks have reformed their management center by region and anticipated the regional management center could bring them advantage in competition due to expected following result from the regionalization:(1) Improve the operation efficiency (2) Lower down operational risk (3) Invest assets and resource effectively (4) Enhance professional division (5) Professionalize logistic supports (6) Implement objective management
Each individual branch office of Taiwan Cooperative Bank was responsible for collecting overdue of loans. Three categories of resources were classified for pressing the overdue collection per the size of branch office and the dollar amount of the overdue of loans: (a). A full-time assistant manager leads 2-3 full-time assistants (b) A part-time assistant manger leads 1-2 full-time assistants (c). A part-time assistant manager leads 1-2 part-time assistants. Due to those people for collecting overdue payments were located in different area of branch office and mostly they carry other business assignments, which cause miss-focus on overdue collection. Moreover, most of overdue collectors were not well trained and lack of professional knowledge in laws and regulations under the circumstance of very frequent job rotation, which caused the dis-linkage on developing good overdue collectors. Fortunately, regionalized management center could resolve those problems and improve collection performance, reduce operating risk, implement objective management so as to enhance the advantage in competition.
This research tends to utilize the implementation of regional management center in Taiwan cooperative Bank as an example. Take data of repayment of overdue loans from January 2004 to November 2007 to compare and demonstrate the result on cleaning over- due loans by regionalizing management center in a bank.
This research conducted interviews with colleagues in 6 regional management centers. On-site interview was hold for the region of north Taipei city and Taipei county, Telephone interview was done for the other 4 regional management centers. People who were interviewed including a senior group leader and 2-3 assistants in each center. The result of each interview was recorded for the evaluation of implementation of regionalized management center.
As the result to show from this research by the collected data and the result of interviews,
1.The implementation of regional management center speeded up the progress on collecting overdue loans.
2.The implementation of regional management center reduced manpower of assistant but increased manpower of management on this specific business.
3.Performance of evaluation system could influence the morale of payment collectors.
4.The implementation of regional management center helps people and organization development, Improves professional capability of people.
5.The regional management center was specified as an execution unit but become both execution and auditing unit, which has slowed done the progress on collecting overdue loans.
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