台灣企業如何建構“平台經濟”以提升競爭力 —以銀行業供應鏈金融為例

Abstract

於此次的研究中，先探討臺灣銀行業C 計畫失敗的主因，而後藉鑑價值主張與商業模型的思維輔以深入訪談訪法，試圖引入平台經濟的特性以重新定位台灣銀行業者在供應鏈金融中新的商業模式。建議銀行應秉除傳統的風險管控方式在引入新的科技應用與異業合作夥伴以開展出新的供應鏈金融的商業模式、進而尋找出新的機會與市場以協助銀行自身與中、小企業主真正地走出臺灣這塊土地，在中國、東南亞、亞太區域，或甚而在全球得以和其它國家的銀行業者競爭，並且能夠支持臺灣的企業在世界各地其保護主義越來越興盛的歐、美大國，一帶一路的強國與挾帶著豐富資源與勞力成本極低的開發中國家一較長短，藉由一個運作無間的平台、在跨業合作下提供無遠弗屆的優質服務與產品得以獲取合理的利潤與更大的生存空間。

In this study, trying to reposition Taiwan's Banks in the Supply Chain Finance by summarized the main reasons of the failure of Taiwan's banking C plan, leveraging the characteristics of the platform economy, the value proposition of the Business Model's Thinking methodology are the in-depth interviews approach by interview with some SCF (Supply Chain Finance) Leading Bank, Supplier, Major Buyers in Taiwan Market. It is suggested that banks should adopt the non-traditional risk control methods by the new technology and the Global partners to develop new Supply Chain Finance business models, Base on the new business platform, Bank could provide the unique services and competitive products to obtain the profitable return and penetrate more non-Taiwanese customers all over the world.