大陸台商資金調度現況——兼論台資銀行在大陸之發展

The Fund Procurement of Taiwanese Firms and Development of Taiwanese Banks in Mainland China

兩岸金融監理MOU已於2009年11月16日簽訂，台資銀行將可順利登陸。對大陸台商而言，台資銀行的登陸可以視為資金來源的另一選擇，應可改善大陸台商籌資困難的情形，但仍然必須加強本身債信及擔保品的品質。台資銀行因登陸的時機和規模都落後於知名外資銀行，初期業務經營可能會受到限制，不宜過度樂觀。大陸存貸利差高及開發新市場服務台商，是台資銀行創造獲利的新契機，策略上必須先考量本身的業務專長及未來可能之客戶、業務和拓展機會，評估經營之優劣勢、資金與風險，確認各階段之發展策略，再決定採取分行、子行或參股的方式登陸。

With the signing of the memorandum of understanding on cross-strait financial supervision on November 16, 2009, Taiwan’s banks will be able to smoothly set up operation in mainland China. For Taiwanese businesses operating in the mainland, the presence of Taiwanese banks there can be regarded as providing another option for fund procurement. But though this should be able to improve the difficulties experienced by Taiwanese businesses in raising funds in the mainland, those businesses will still need to enhance their own credit worthiness and the quality of their collateral security. Since Taiwanese banks will lag behind other well-known foreign banks in the timing and scale of their entry to the mainland, their business operation is likely to be restricted at the outset, and their prospects will not be too rosy. The interest spread in the mainland is high, and developing a new market to serve Taiwanese businesses will be the banks’ best opportunity for creating profit. In terms of strategy, they must first consider their own business strengths and possible future customer, business and expansion opportunities, and assess their operating strengths and weaknesses, capital and risks, as the basis for mapping out clear stage-by-stage development strategies. Then they must decide whether to enter the mainland by means of setting up branches or sub-branches, or investing in local banks.