中國大陸允許設立「臺商民營銀行」之影響初探

The Effects of Mainland China Allowing Taiwanese Businessmen to Set Up Banks in China

中國大陸「臺商民營銀行」議題近來受到主管機關與媒體多方關注，引發各界重視。就實際層面觀之，臺商在中國大陸發展經常面臨籌資不易之困境，「臺商民營銀行」之設置將適度解決臺商籌融資難題，故此議題確實有其重要性。本文試圖就中國大陸允許設立「臺商民營銀行」議題進行剖析，以瞭解該政策目前之發展現況、對兩岸金融及當地臺商之可能影響，以及設立之可能模式與潛在問題。本文認為「臺商民營銀行」申設可能面臨兩岸政治局勢紛擾、資金來源受限、經營業務限制、設置地域限制、市場定位與經營特色不明顯，以及金融人才欠缺與資金成本較高等諸多問題。最後，提出結論並針對可能問題提出相關建議。

The topic of “Taiwanese Businessmen-Owned Banks” in Mainland China has drawn much attention from the authorities and the media recently. From a practical point of view, the development of Taiwanese businessmen in Mainland China is often confronted with difficulties in raising capital. The establishment of a “Taiwanese Businessmen-Owned Banks” will appropriately solve the financing problem for Taiwanese businessmen. Therefore, the issue really has its own significance. We attempt to analyze the issue of launching “Taiwanese Businessmen-Owned Banks” in Mainland China to understand the current development of the corresponding policies, the possible impact on the Cross-Strait finance and Taiwanese businessmen in Mainland China, and the possible problems in the future. We argue that “Taiwanese Businessmen-Owned Banks” may face some problems in the future, such as political turmoil, limited funding sources, restrictions on business operations, geographical restrictions, the lack of market positioning and management characteristic, the shortage of financial talent and higher capital cost. Finally, we conclude and propose some recommendations for the possible problems.