我國銀行業經營致勝的關鍵因素：公司治理、風險管理及競爭優勢的觀點

NCU Institutional Repository > 管理學院 > 財務金融學系碩士在職專班 > 博碩士論文 > Item 987654321/12391

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题名:	我國銀行業經營致勝的關鍵因素：公司治理、風險管理及競爭優勢的觀點
作者:	林以士;Yi-shih Lin
贡献者:	財務金融學系碩士在職專班
关键词:	銀行業;公司治理;風險管理;競爭優勢
日期:	2007-06-13
上传时间:	2009-09-22 14:47:27 (UTC+8)
出版者:	國立中央大學圖書館
摘要:	由於金融業的國際化及自由化，資訊科技的突破，金融商品不斷創新，國際金融市場逐漸趨向高度整合，在此激烈競爭的環境下，直接金融的比重逐漸增加，存放款利差逐漸縮小，迫使金融業者無不思考突破之道，在此情況下，未來我國銀行業如何依據自身的核心競爭力來研擬策略，強化自身的經營利基及競爭能力，為當前我國銀行發展所必須思考的首要問題。因此本研究試圖以公司治理、風險管理及競爭優勢之構面尋找我國銀行業經營關鍵之成功因素。本研究藉由產業經營概況分析、關鍵成功因素、公司治理理論、風險管理理論、競爭優勢理論並配合國內外文獻回顧以及銀行產業特性，建構出我國銀行業核心競爭力之關鍵成功因素之實證理論模式及影響變數因子，再透過問卷調查所獲之資料進行實證分析，作為研擬適當之企業經營策略與政府政策有關措施。經由實證分析結果，本研究發現我國銀行業經營關鍵因素有四項，茲分述如下：一、因素一─「前進中國，強化國際佈局競爭力」二、因素二─「長期穩定的政府政策、專業人力之培訓」三，因素三─「強化內外部監理機制，健全財務結構」四、因素四─「落實公司治理、提供e化服務增進企業形象」 Internationalization and liberalization because of financial circles, the break-through of information science and technology, the financial goods are innovating constantly, the international financial market tends to and highly combines gradually, under the environment of this keen competition, the proportion of the direct finance increases gradually, deposit the fund profit and shrink gradually, force the financier to think deeply in the way to break through invariably, under this situation, how the banking of our country of future grinds the tactics of drafting according to one's own key competitiveness, strengthen one's own management niche and competitive power, primary problem that must think for the present development of bank of our country. So research this is it control with company to attempt, risk management and literary composition surface, competition of advantage look for the banking of our country to manage the key successful factor. This research manages overview analysis with the industry, the key succeeds the factor, company manages the theory, risk management theory, advantage theory of the competition and cooperates with the domestic foreign language to offer reviewing and bank industry's characteristic, build the key successful factor real example theory way to construct out banking's key competitiveness of our country and influence the factor of parameters, analyse the real example through the materials that questionnaire investigation obtains again, as grinding drafting the proper measure related to government policy of enterprise management tactics. Via the analysis result of real example, originally discover the banking of our country manages the key factor there are four items, divide and state as follows now: First, whether advance it China, it strengthen overall arrangement competitiveness not international . Second, the training of the long and steady government policy, professional manpower . Three, strengthen inside and outside manage mechanism, perfect the financial structure . Fourth, implement the company and manage, offer e service to promote the corporate image
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