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【ABSTRACT】
Last decade, the great impacted on local financial institutions makes market a big change. 16 private commercial banks, 1 industrial bank joining the market, 5 cooperative-units upgrade running commercial bank business, 14 financial holding company had been established. The total amount of bank head office is slightly reduced, however, the branches office around island are still shows off and sharply increased. Over bank and keenly competition have not been slowed down. Under government’s policy guide and encourage, with market keen competition, bankers outwards sought to interests and suitable for the target institutions to merge, inwards to improve managing, organizational change, market segmentation, products differentiation, innovation on business strategy, to expand the market share and existence niche.
The bank merges should focus on the general benefit. Differential-skill functions, cross regional business M & A can produce mutual beneficial profit. Screens the close one of enterprise culture background apt to merge succeed. Merge should consider not only the economics of scale and scope but also the proper scale even more, in order to benefit administration and performance. Preparation for merging appropriate intact planning including personnel, computer system, proceeding, sales channel combination are extremely important tasks.
The‘regional center’is the functional-oriented institutional framework, but may not be suitable for all of banks. The bank can weigh and consider its own background of personnel quality and quantity, branches sizes scale, operate the business regional range, to decide setting up regional center system or not and the proper type of the regional center. Implementing the regional center system should still give the branches office with‘full-function’business to fully worthy of developing branch’s biggest performance.
The bank should set up its own core business concept and characteristic itself and build up customer-oriented institutional framework to regard selling and serving customers function. Branch office is organized for the small-scale exquisite, multi-functional type with the marketing service to customers. To meet the competition environment, the successful bank on marketing must possess high-quality management team, the unanimous tactics goal of cooperation and execution strength of the height marketing skill.
The banking industry is a kind of credit unit, running business safely would be the primary job, should set up the risk control system. No matter handle enterprise finance or consuming finance, bank must focus on the risk management, accord to the‘5P’primary principle of loan and lending mechanism as well, to assure the quality of bank's assets.
The domestic banking institutions market towards saturation gradually, the bank should conclude the regional or global tactics to cooperate with the local enterprise customers’ global marketing strategy. Strengthen train the staff on business planning, marketing management, new financial products design, risk control, international financial business management, in order to meet the demand on business competition.
The bank should weigh its own business objective, enterprise culture, manpower quality, operation scale, enterprise strategy, etc. set up its most suitable for the institutional framework and system to promote the performance and profit. When the system or organizational structure change is adjusted, should fully internal communicate and coordinate in advance, can be adopted and adjusted progressive rightly, avoid organizing overlapping or resources wasting, reduce conflict and obstacle.
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