Discussion of commercial banks in SME credit guarantee fund Suitability -S Banks of Taiwan Area Case Study

• Main Authors: Wang-Chi Kai, 王麒凱
• Other Authors: 林志鴻
• Format: Others
• Language: zh-TW
• Published: 2011
• Online Access: http://ndltd.ncl.edu.tw/handle/48735209594565003124

碩士 === 淡江大學 === 國際企業學系碩士在職專班 === 99 === Taiwan applied to set up private banks in 1991 and then the domestic banks grew up from 25 to 53 during 10 years, but the overall market demands was unable to expand by proportions and then caused the craft competition between bank industries and the interest rates dropped largely. In order to increase the income, the domestic banks invest to the area of personal financial services actively in recent years. Due to the control insufficiency and the blind sprint business, it caused the outbreak of two-card crisis in the end of 2005 and impacts the bank profitability; however, the bank industries just recovered from the two-card crisis faced to the test of U.S. Subprime Mortgage Crisis in 2008 and made the serious injuries to the wealth management business. Therefore, the bank business returns to focus on the traditional banking deposit and loan business and then the proportion improved significantly when turns to the public and private loan business. The share of small and medium-sized enterprise amounting to 97.7% of Taiwan entrepreneurs and the bank has higher interest rates of the loan business to the small and medium-sized enterprise. Therefore, the small and medium-sized enterprise financial business has become the focus of various banking development, however, the small and medium-sized enterprise is limited to the characteristics of not containing economic scale and the bank has higher risk of its financing. In order to solve this problem, various banks shift the bad debt risk of banks by having the SME credit guarantee fund; the case bank also invests lots of resources to expand the small and medium-sized enterprise financial business by the SME credit guarantee fund in order to improve the loss. Choose the appropriateness of the business for a case bank and manage the business to improve the situation of its business indicator is the main aim and goal that this research is going to discuss. This article takes S bank as a case study object and uses the theoretical framework analysis of Lin and Pao (2004) as the basis. Then analyze the internal environmental strengths and weaknesses of a case bank by 7S model. Moreover, analyze its competition and threat the industry faces by five competitive forces and then uses the PESTEL pattern to evaluate the influence of the overall environment and discuss the strategy formulation elements of advantages in managing the s SME credit guarantee fund and also how to carry out it in order to achieve the mission. The S bank is the subsidiary company of the S financial services holding company and it composed by the combination of Bank SinoPac and Taipei International Commercial Bank which belong to the same company. According to the above analysis, the result goes to that the S is suitable to focus on managing the SME credit guarantee fund and then achieve the mission of “quality professional financing of small and medium-sized banks” by the execution of the best strategy “cultivating the existed small and medium-sized enterprise” in order to expand the scale of operation and increase the sales income.