韓國農業合作社金融業務之系統與策略

Strategy for Financial Business of Agricultural Cooperatives: Korean Case

韓國農業合作社的金融系統為合作社銀行業務策略塑造一個模式。此一模式首先是以國家級水準的合作社為基礎的銀行，其扮演主要合作社金融業務的角色。而NACF-bank 與AC-MC 則構成一雙元合作的金融業務組織。此系統採用適應環境之業務策略，在當前受管制的計畫經濟下，藉著保持與政府的密切關係，以追求快速的成長。當情況改變為解除對市場經濟的管制時，系統則集中於不同策略衡量，以圖增加市場的競爭力。藉由此一韓國案例所得到的啟示是，合作社金融系統需要適當之組織及與改變中的環境一致的業務策略，以成就獨立之金融機構。

The financial system of Korean agricultural cooperatives formed amodel for cooperative banking strategy. It first started with a nationallevel cooperative-based bank that played a role of mentor for primarycooperative financial business. NACF-bank and AC-MC consists a dualfinancial business structure hat has exhibited synergy.The system employed the appropriate business strategy adapting tothe environment. Under the regulated planned economy, it pursued fastgrowth by maintaining close relationship with the government. As thesituation changed to the deregulated market economy, the systemfocused on different strategic measures to increase competitiveness inthe market.The implication of the Korean case is that the cooperative financialsystem requires the appropriate organizational and business strategies inaccordance with changing environment in order to succeed asindependent financial institutions.