有效金融管理與金融紀律——以台灣現金卡為例

Effective Financial Management and Financial Discipline-the Case of Cash Cards in Taiwan

在金融國際化以後，伴隨自由化的環境之下，金融機構競爭激烈的情形日趨普遍，民國80年開放銀行新設後，國內銀行即長期處於家數過多狀況；由於大部分銀行較欠缺金融創新能力、商品同質性高，為擴大業務量（信用卡、現金卡）與市場占有率，競相採取價格競爭，並放寬審核標準，導致資產品質下降，進而導致資訊不對稱產生之逆選擇及道德問題的浮現，最後引發卡債危機。本文擬從公營以及民營銀行相關消費金融資料著手，分別從有效卡數、有效循環利率以及逾放比等變數檢驗以卡債風暴為背景之下，檢視金融機構主管機關被動介入現金卡市場後，資訊不對稱現象是否改善，以及是否能夠解決經濟問題之下所產生的社會問題，並且展現有效金融管理對金融紀律的重要性。

After the internationalization of finance, and under the environment of liberalization, fierce competition among financial institutions has become more common. After the opening of the new bank in the 1980s, domestic banks have been overpopulated for a long time. Because most banks lack credit card financial innovation High ability and homogeneity of products. In order to expand business volume (cash cards) and market share, they are competing to adopt price competition and relax the review standards. This leads to a decline in asset quality, which in turn leads to the emergence of adverse selection and moral issues arising from asymmetric information, And finally triggered the card debt crisis. This article intends to start with the relevant consumer financial data of public and private banks, and examine the variables such as effective card number, effective revolving interest rate, and over-running ratio against the background of the card debt storm. After the financial institution authority passively intervenes in the cash card market, we hope to know whether information asymmetry has been improved and whether it can solve the social problems arising from economic problems, which shows the importance of effective financial management to financial disciplines.