Discussion on the Models of Bank Financial Service for Taiwan Businessmen in China

• Main Authors: Yu-Chiu Chen, 陳玉秋
• Other Authors: Ling-Lang Tang
• Format: Others
• Language: zh-TW
• Online Access: http://ndltd.ncl.edu.tw/handle/08438623713506480447

碩士 === 元智大學 === 管理研究所 === 96 === Funds are as the blood of business; without sufficient funds, business is hard to sustain. And medium small enterprises suffer higher risk of outside changes than large enterprises. In the trend of globalization, the investment from international enterprises in the market in China has stimulated the rise of local private business. As a result, this trend also has increased the pressure and difficulty of Taiwan Small and Medium Enterprise operation and finance in China. Due to the special relation between the Taiwan Strait, our government is extremely cautious about the open policy between the Strait. Moreover, the slow open policy of the financial system and the inconvenience of financial methods in China have caused the problems of margin loan for Small and Medium Enterprise. In order to get financial support from banks, the issue of raising funds and getting margin loan needs detailed investigation. The review in the thesis shows that most scholars conducted surveys to study the relevant topics rather than a close case examination. In regard to this, this thesis intends to conduct designing quality on cases to discover the difficulty of Taiwanese Businessmen on raising margin loan in China through interviewing enterprises, collecting successful cases on raising margin loan from national banks, and the analyzing the phase of need and supply. Consequently, banks can focus mainly on these factors. This study aims to understand the operation model of Small and Medium Enterprise in China and their notion of financial plans to be the reference of expending finance margin business for banks. The investigation concludes several concerns for enterprises: (1) cost of margin loan, (2) customized service,(3) real estate margin. And for the suppliers or the banks, the concerns include：(1) the risk of accepting a loan,(2) income result,(3) service quality and products development. On the other, this study attempts to examine the factors of mortgage in banks to offer enterprises support in applying for loan, and to create win-win cooperation for both business and banks. Besides above concerns, the research has also concluded the following five points： (1). Banks and Taiwanese Businessmen which they run Small and Medium Enterprise administration, tend to short-term loans but neglects the concept of enterprises sustainable operation. (2). Cost Capitals are the first priority when an Enterprise makes Financing Decisions. (3). The difficulties of Taiwanese Businessmen on margin loan includes：insufficient people relationship and collateral; weak financial statement, low credit rating and unclear business operation in Mainland China, etc. (4). The key success factor of margin loan includes: business operation with sufficient experience, collateral, and strong supply chain system. (5). The review has found out that Taiwanese Businessmen still doubt the security of Mainland China, therefore; OBU is the majority factor for financing.