| Summary: | 碩士 === 中原大學 === 企業管理研究所 === 102 === Abstract
Ever since Taiwan has joined the World Trade Organization (WTO), the diversity of marketing has increased owing to the financial industry liberalization and changes of the economical environment. This situation followed by the intensified competition pressures among banks, the increased management risks, as well as the unprecedented revolutions/impacts. For the bank density, Taiwan is on top among the global markets, whereas the product differentiation is relatively low. Banks in Taiwan strive to get ahead by lowering down prices; in return the profits are relative low with comparing. In light of this fact, they need to seek for innovative reformation as a breakthrough.
This research is to analyze, after the Financial Holding Company Act was established in 2001 in Taiwan, the comparisons of current management development of banks in Taiwan versus banks in other Asian countries. The study explores the business strategies that would boost the abilities of competition and sustainable business advantage, and offers some useful suggestions to bank practitioners.
The research was done utilizing documentation collection, SWOT Analysis, local/foreign banking industries management case analysis, and interviews with top managers. In addition, the "Strategic Matrix Analysis" model by Mr. Dah-Hsian Seetoo was adopted for an in-depth case study. The results indicate a) excessive local banks lead to scattered resources and the short of certain leading banks. Recommend to continued integration to achieve the economies of scale; b) the lack of revolutionary products and the overlapping of businesses. Recommend to develop unique niche products or marketing patterns; c) inadequate scales of assets and focuses on local markets. Recommend to aim at foreign markets and cultivate international financial professionals; d) financial holding/non-holding banks have little distinction as to profits. Recommend to achieve effectiveness by utilizing resources; to control the risks brought by cross-straits banking and to proactively enter the financial market in China, so as to enhance the capability of international competition.
|
|---|
