中國台資銀行分行改制子行可行性之探究-以H銀行為例

Abstract

由於兩岸具有語言相通、風俗相近與地利之便等特點，台資企業在拓展海外市場，中國常成為首選之地。為提供在中國之台資企業金融服務，已有多家台資銀行在中國設立分行或子行。本研究目的係探究在中國的台資銀行由分行改制子行之可行性，本研究以一家成立逾百年且已在中國設立分行的銀行作為個案，就金融法規、營業項目及子行設立地點選擇等面向分析由分行改制子行之可行性。本研究結果顯示，個案銀行已符合中國境內的分行申請改制為子行的條件。子行需投入較高的成本，業務拓展成效較為緩慢。就中長期而言，子行的業務較為廣泛，有利於在地化經營。根據本研究結果，筆者建議已經在中國設立分行之台資銀行，需持續關注中國金融政策發展動向和分行轉制為子行的相關法規。此外，這些銀行應瞭解子行和分行作業流程差異及成本效益分析，找出最適合本身的市場定位和營運模式。Due to the common language, similar customs, and geographical convenience between Taiwan and China, China is often the first choice for Taiwanese companies to expand overseas markets. Many Taiwanese banks have established branches or subsidiaries in China to provide financial services to Taiwanese firms in China. The objective of this study is to explore the feasibility of transforming Taiwanese banks' branches into subsidiaries in China. This study uses a bank established over a century and establishing branches in China as a case study. This study analyzes the feasibility of transforming the branches into subsidiaries from financial regulations, operation items, and choice of subsidiary location. The results show that the case bank has met the criteria for transforming from a branch in China to a subsidiary bank. A subsidiary bank will require higher costs, and the business expansion willbe slower. In the medium to long term, the subsidiary bank's business is relatively extensive and conducive to localized operations. According to the results, the author recommends that Taiwanese banks that have already established branches in China continue to pay attention to the trends of financial policies in China and regulations regarding branches and subsidiaries. Moreover, Taiwanese banks in China should understand how the operating procedures differ between branches and subsidiaries. Taiwanese banks in China also need to consider costs and benefits of converting branches into subsidiaries. These banks must find the most suitable market positioning and operating model.