國銀布局亞洲區域市場之挑戰與展望

Challenges and Emerging Opportunities for Taiwan Banking Sector in Asian Markets

國銀業者布局海外市場，可適度轉移業務重心，舒緩國內經營環境過度競爭所衍生之問題。對此，金管會期許國銀業者以成為大型區域銀行為目標，並以仍具發展潛力之亞洲區域市場為布局對象。此政策雖立意良善，惟國銀仍面臨規模偏小、獲利能力較低、不熟悉海外環境等問題待克服。對此，或可借鏡新加坡星展銀行轉型為亞洲區域銀行之作法，諸如尋求海外併購機會、以策略聯盟補自身之不足、強化國內業務整合等；在政策端則可協助提供市場資訊，以及研議設立主權財富基金統籌資源運用。

The crowded Taiwan banking sector is looking for room to breathe at last, for example expansion of offshore business. However, Taiwanese banks are typically small and focused on the domestic market. The overall competitiveness of the industry is inadequate, which further limits the potential for banks to expand abroad. Consolidation of the banking sector is needed to address the problem of overbanking, and the Financial Supervisory Commission (FSC) hopes the nation could create regional Asian banks similar to DBS Bank Ltd of Singapore. The FSC also encourages Taiwanese banks to expand to fast-growing Southeast Asia. Therefore, this paper studies DBS case and aims to draw policy implications for Taiwanese banks' broader expansion, such as strategic alliance, domestic business integration, information platform, and the sovereign wealth fund.