台灣銀行業西進發展中小企業融資之研究

Abstract

本文以台灣銀行業者為對象，探討當今兩岸金融相互開放下，銀行業者赴中國大陸市場發展中小企業融資業務之相關技術與可行性之探討。 台灣的銀行業雖然相對中國大陸發展得早，對於中小企業融資技術或業務具有領先優勢。然而大陸銀行業近年來發展快速，服務網絡分布綿密，實力已非昔日吳下阿蒙，我國銀行業者西進之路既已落後於大陸中外資銀行，赴陸發展是否仍有優勢?本文將提出台資銀行面對大陸中小企業貸款業務之可行策略。 縮小中小企業的資金融通缺口，已成為當前世界主要國家政府重要政策措施。國內外學者發現，金融業克服資訊不對稱前提下，已發展出交易型融資、關係銀行融資的兩種技術。當前兩岸經貿發展與大陸經濟金融概況向好，成為推動金融業者相互設點投資的最佳時機，海峽兩岸經濟合作架構協議（ECFA）」後續的兩岸服務貿易協議，也給兩岸業者相互准入提供最佳條件。 目前大陸中小企業很難從銀行體系取得融資，大型國有商業銀行或股份制銀行的授信資源亦多由大型企業所壟斷。故大陸主管機關近年均頒發大量的政策支援，目的致力於舒緩中小企業的融資困境，同時積極建立融資信用支援體系，如鼓勵設立信用擔保機構及建置徵信系統。 相對而言，台資銀行規模小、起步慢，故展望未來，大陸經營前景可說充滿了挑戰。然而，由於大陸經濟仍在快速發展，居民所得仍將持續提高，對於金融服務的需求還有很大的發展空間，故仍有很多商機有待國內銀行業者去發掘。至於銀行業者本身，則應放大格局，以專業、服務與創新思維切入大陸市場，在對岸開拓一番新局，並成為台灣服務業者西進大陸的典範。Taking Taiwanese bankers as an object to discuss cross-strait financial mutually open today. The possibility of development SME financing activities in China related to technical and feasibility for Taiwanese bankers. The bankers of Taiwan relatively early developed than China for SME financing or business technology. However, the rapid development of the Mainland banking sector in recent years, the distribution of dense service network and strength surpassed the year before, Taiwanese bank lags behind foreign banks, and any other advantages to remain? The paper will propose Taiwanese banks face a viable strategy for SME lending business in China. Reduced financing gap for SMEs has become the world's major government’s important policy measures. Scholars found that the financial sector to overcome information asymmetry under the premise of two technologies have been developed based financing transaction, the relationship between bank financing. The current cross-strait economic development and the China’s economic and financial overview for the better, to be the best time to promote financial industry investment in mutual set point, the cross-strait economic cooperation framework agreement (ECFA), the follow-up of ECFA but also to provide access to both sides of industry mutual optimal conditions. The SMEs of China hard to obtain financing from the banking system , the credit resources of large state-owned commercial banks or joint-stock banks resembles monopolized by big companies. Therefore, in recent years, the mainland authorities have issued a large number of policies to support the purpose of financing committed to relieve the plight of SMEs, while actively supporting the establishment of a credit system of financing, such as encouraging the establishment of credit guarantee institutions and build the crediting system. In contrast, Taiwanese banks started slowly and smaller size. Business prospects of the China can be said is full of challenges. However, due to the rapid development of the mainland economy is still proceeds, residents will continue to improve highly, and there is a great demand for the development of financial services. There are still many opportunities to be the domestic banking industry to explore. As the Taiwanese bank, the pattern should be enlarged, more professional, service and innovative thinking cut into the mainland market, on the other side to open up new dimension, and became a model of Taiwanese service providers in China.