A Study on the Strategy of Taiwan Commercial Bank Going into China

Abstract

Thesis Title: A Study on the Strategy of Taiwan Commercial Bank Going into China Author’s Name: Ruo-Chi Huang Advisor’s Name: Hsuan-Chu Lin Department of Executive Master of Business Administration College of Management National Cheng Kung University SUMMARY The development of Taiwan ’s banking industry experienced bank consolidation and subsequent westward entry into mainland China ’s financial market This article uses interviews to discuss the consolidation of domestic banks and the benefits of Taiwan-funded banks entering the Chinese financial market This article uses interviews to discuss the consolidation of domestic banks and the benefits of Taiwan-funded banks entering the Chinese financial market First from the perspective of the "transaction cost theory" it takes time for the banks to merge after the merger and it will take some time to see the advantages of the merger; And it is the only way to go and under the development trend of financial technology after the merger and increase of bank capital we can fully invest in the development of financial technology On the other hand from the perspective of "resource strategy theory" banks need to seek assistance from external resources and entrust professional fintech institutions to build a complete fintech service system while at the same time enabling banks to fully learn the fintech service model Taiwan-funded subsidiary banks in China lead their mother banks in China ’s financial layout; as financial technology prevails Taiwan-funded banks in China are small due to their small scale It is not possible to create a fintech R & D unit alone but to seek external cooperation As for China ’s financial management authority ’s recommendations China ’s third-party payment and the government ’s assistance in the domestic third-party payment system platform to be more singular and complete it can increase domestic consumers ’willingness to use; related to the money laundering prevention that is widely discussed Experts suggest that Taiwan ’s financial-related units assist Taiwan-funded banks to train law-abiding personnel and strengthen the money laundering prevention system of Chinese banks Key words: Bank consolidation;Taiwan-funded banks westward to China; cost theory; resource strategy theory; financial technology trends

Date of Award	2020
Original language	English
Supervisor	Hsuan-Chu Lin (Supervisor)