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標題: | 金融控股公司事業群組織運作之研究 Research of the operation of Multidivisional structure in the financial holding company |
作者: | Chiao-Ching Cheng 鄭樵卿 |
指導教授: | 楊朝成(Chau-Chen Yang) |
關鍵字: | 金融控股公司,事業群, Financial holding company,Multidivisional structure, |
出版年 : | 2010 |
學位: | 碩士 |
摘要: | 中文摘要
近年來,由於經濟自由化與產業全球化的發展趨勢,國內外企業在環境快速的變遷中,我國金融業正面臨一個全新的國際競爭模式,全球化的快速進展使世界經濟相互依賴程度日趨加深,跨國金融企業全球佈局趨勢也方興未艾,這些變化將對我國金融業及經濟產生了莫大的影響與衝擊。我國金融控股公司自2001年成立以來,透過各金融企業組織的整合與合併,至今已有十五家獲准設立。我國金融產業走上整合成金融控股公司的組織型態儼然成為未來之趨勢,而這樣的改變與規劃無疑是在為與全球金融體系接軌以提升我國金融產業在全球化中之競爭力。 面對外在金融環境之遽變,我國金融控股公司為求其永續發展,在近幾年來陸續檢視及調整其企業經營模式與組織型態,以增加在金融產業中之競爭力。金融控股公司組織之營運模式是否能有效的降低交易成本,使組織更有效率,抑或組織形態的轉變,進而影響到組織整體的績效。報載台灣金融控股公司捨事業群架構,設四大委員會;中國信託金融控股公司則宣布為長期策略發展並落實公司治理,決定調整組織架構,設置中國、投資、銀行、保險及證券等五大事業群。到底金融控股公司之營運遇到了何瓶頸?金融控股公司為何願意前仆後繼花費鉅資聘請外國專業顧問就組織調整提供專業建議並導入事業群組織之營運模式?又為何有少數金融控股公司不願跟進改變原有營運模式?事業群組織究竟為何?金融控股公司導入事業群組織營運模式之後是否就可創造營運績效或綜效?以上諸多事業群問題皆需予以逐一研究分析釐清,以提供金融控股公司就組織改造或調整有進一步之了解及認識,進而尋找出最適合本身金融控股公司營運及綜效之組織變革方向。 本文首先將先參考文獻探討美國及日本金融控股公司立法例,以了解我國金融控股公司法之立法沿革、立法背景、模式、特色,並與美國、日本金控股公司法比較後,就我國金融控股公司制度之優劣提出看法,進一步了解我國金融控股公司目前運作概況及困境。其次,將就事業群組織定義、法制基礎及主管機關對事業群組織之監管提出看法,以犛清事業群之相關概念及於我國現行法律上及監理上之意義,並就金融控股公司事業群組織運作概況及效益提出說明。 之後將進一步就金融控股公司導入事業群組織運作後所衍生之內控規範、客戶資料之保護、關係人交易規範、風險集中感染之憂慮、法制衝突、內線交易和利益衝突、財務槓桿比率過高等問題,提出改進及建議。由於我國的金融業正面對著外在嚴峻環境及內部壓縮的利差、過度競爭的市場(over banking)以及變動的法規與財經政策之挑戰,金融控股公司面對的不再是一個穩定的市場結構。面對金融環境的劇變,金融控股公司亦無法再墨守成規,而應積極檢視自己之核心競爭力,調整組織,尋找出一個最佳及最適合自身金融控股公司發展之營運模式。結論並認為事業群營運模式有助金融控股公司綜效提升;矩陣管理可強化事業群組織效益並兼顧國內法制規範及事業群組織營運模式運作之良窳有賴公司治理之落實。 英文摘要 In recent years, due to economic liberalization and the development trend of globalization, domestic and foreign enterprises in the rapidly changing environment, our financial sector is facing a new model of international competition, globalization, rapid progress in an increasingly interdependent world economy deepening trend of global deployment of multinational corporations are also in the ascendant, these changes will be Taiwan's financial industry and the economy has tremendous influence and impact. Financial Holding Company since its inception in 2001 through the integration of the financial organization and consolidation, has been allowed to set up 15. Taiwan's financial industry took to integrate into a financial holding company, type of organization have become the future trend, this change is undoubtedly in the planning for the integration with the global financial system to enhance the globalization of Taiwan's financial industry competitiveness. The face of the external financial environment of rapid change, Taiwan's financial holding company for the sake of its sustainable development, one after another in recent years to review and adjust its business model and type of organization, in order to increase the competitiveness of the financial industry. Financial holding company operating mode of organization is effective in reducing transaction costs and make more efficient organization, or morphology changes, thereby affecting the overall performance of the organization. According to newspaper reports the cause of Taiwan's financial holding group company residential structure, located Committee; Chinatrust Financial Holding Company announced the long-term strategy for the development and implementation of corporate governance, decided to adjust the organizational structure, set in China, investment, banking, insurance and securities, five business group. In the end the financial holding company operating encountered any bottlenecks? Why are willing to wave upon wave of financial holding companies to spend heavily to hire foreign experts to provide professional advice on the organizational restructuring and business group organization into the mode of operation? Why a small number of financial holding companies are unwilling to change their existing business model to follow up? Business Group Organization what’s the cause of the financial holding company group after the organization is able to create a business model operating performance or synergy? Many business groups over the issue of who must be clarified one by one study to provide a financial holding company organizational reform or adjust further the understanding and awareness of, and then find the most suitable for their operation and financial holding company Synergy direction of organizational change. This paper will first reference of the United States and Japan, financial holding company law cases, to understand the Financial Holding Company Act of the legislative history, legislative background, pattern, character, and with the United States, Japan, comparing Holding Company Act, the Financial Holding their views of the merits of the company system to better understand the operation of our financial holding company profiles and difficulties. Second, will cause the definition of group organization, the legal infrastructure and the competent authority for the supervision and Business Group Organization view to clear concept and related business groups in Taiwan's current legal and supervision on the significance and business groups on financial holding company Organization profile and effectiveness of the operation of an explanation. After further into the cause of the financial holding company group after the organization derived from the operation of internal control standards to protect customer information, related party transaction norms, risk concentration infection concerns, legal conflicts, insider trading and conflicts of interest, financial leverage is too high problems, suggest improvements and recommendations. As Taiwan's financial sector is facing severe external environment and internal compression of spreads, over-competitive market (over banking) as well as changes in regulations and financial policy challenges facing the financial holding company is no longer a stable market structure. The face of the drastic changes in the financial environment, financial holding companies can no longer rigid, but should actively examine their own core competitece, adjust the organizational, finding the best and most suitable for the development of its financial holding company operating mode. Conclusions and that the mode of operation will help the cause of group synergy to enhance the financial holding company; matrix management can enhance organizational effectiveness and business groups both domestic legal norms and Business Group organizations operate business model of these indices depends on the implementation of corporate governance. |
URI: | http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/22639 |
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顯示於系所單位: | 財務金融學系 |
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