台湾における消費者金融サービスの新展開 : 華信グループを中心に
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概要
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I. Global Trend There are four pillars of the 21st century knowledge-based economy; Globalization, IT Capability, Innovation and Human Capital. Countries who cannot reach globalization and compete in global market will survive hardly, as well as countries who cannot harness the information technological resources and nurture the new spirit will be declining steadily. We, in short, have to recognize that we are all living in a whole single world now. II. Taiwan Status 1. A Quick SWOT Analysis on Taiwan GNP of Taiwan in 2000 was US$316,6 billion, which was ranked 17th in the world. As Taiwan is the 3rd largest IT industry after US and Japan, Taiwan is sometimes called "Silicon East". Taiwan is the 4th largest maker of computer chips, and we produce 65% of computer chips in the world. It might be said that the educational system of Taiwan, which brings up more than 110,000 refined engineers per year, draws such an outstanding result. There are weaknesses though. We haven't reached globalization sufficiently yet, and other than trading activities, Taiwan lacks depth and sophistication in international perspectives and politics. And, R & D is still behind competitors in terms of percentage and absolute amount. 2. Recent Taiwan Financial Reforms In Taiwan, banking environment is getting crowded. Number of domestic commercial banks is increasing, and competition becomes severe year by year. As the serious situation above, Return on Equity of domestic commercial banks has been shrinking, and Asset quality of Taiwan's banking sector average is getting worse. At present, the new government is implementing some reform measures such as cleaning up bank's NPL and legalizing local and foreign-owned Asset Management Company (AMC). III. The Case of Bank SinoPac Group 1. A Brief Introduction on Bank SinoPac Group Our total asset is US$12.5 billion, and our NPL ratio is 1.04%, that is the lowest score among all Asia banks in 2000. Bank SinPac Group has integrated services such as credit card, leasing, financial consulting, capital, insurance and so on. Bank SinPac was founded Jan. 28, 1992, and employees were 1,736 in the end of 2000. Though it is not a big company, The Banker, one of economic magazines, estimated us as The best bank in Taiwan" in Sept. 2000. We won such a proud applause because our well managed asset quality and the foremost-integrated MMA account attracted the attention. 2. Money Management Account: The innovative All-in-One Account Before providing MMA service, customers couldn't choose appropriate information they need. However, after maintaining it, they can manage it easily on one Intra-bank MMA platform. Once MMA service provides, it will be possible to know any information any time, and Japan has to consider taking in MMA service as well. 3. The Next Big Thing for Consumer Financial Services: Account Aggregation Account aggregation is one of the most compelling technologies in Internet and Financial Services, Morgan's Industry Report said. It can be said that our MMA service is a kind of account aggregation in terms of "one-stop and one-system". Consumers will adopt aggregation account simply because it will make managing their financial lives much easier. There are some attributes for being winner. First, having alliance and open architecture, enhancing margin, having alternative revenue are important. That is, we need to link with various functions in various ways. Second is creating brand like MMA we made. And, of course, customer services are quite important. Data minding, technology and distribution system are also required. Finally, economy of scales must be accomplished. IV. Conclusion In conclusion, let me mention three principle forces of the new millennium economy, which have to be actively pursued. One is an entrepreneurship. It is necessary to some give and some take. Second, fast execution is needed. Third, quick response to change is required. Needs are changing everyday, so we have to adapt to any environment.
- 2001-11-30