| Summary: | 碩士 === 國立中山大學 === 高階經營碩士班 === 96 === Taiwanese enterprises in Taiwan, China, and Hong Kong operate under division of labor through perpendicular and level integration and strategic alliances. As Mainland China has becoming a mature economic entity, the strategy has changed from the previous “Soliciting Business and Introducing Investment” to “Soliciting Business and Selecting Investment”. In 2007, China announced the foreign enterprises investment and industry directives, and revoked tax incentives. In 2008, due to the levy of corporate income tax and the execution of the Labor Contract Law, the operating cost for businesses has increased, and the competitiveness of Chinese labors has diminished. Thus, Taiwanese enterprises have to find cheap resources elsewhere, and Vietnam is then recognized as a popular major investment location by Taiwanese enterprises.
According to the Financial Supervisory Commission, Executive Yuan, the pre-tax profit for the Taiwan domestic banks in 2007 was NT $38.9 billion. Among which, overseas bank branches (including Offshore Banking Unit) had NT $31.1 billion, accounting for 79.9% of the total profit. It shows that overseas bank branches are a major source of profit for domestic banks, and the profit is growing rapidly year after year. Hence, domestic banks have actively established overseas offices and branches for business development, and followed the steps of Taiwanese enterprises to provide loans services and create higher profits for the banks.
This study adopted a qualitative research method and designed an in-depth interview with 30 enterprise owners and senior financial supervisors. Questionnaire survey was conducted to analyze bank loans strategy, competitive strategy SWOT analysis, and AHP analysis. Research results showed that the most important factor of an ideal Taiwan-based bank to Taiwanese enterprises is the interest of loan. Besides being a reliable long-term partner with Taiwanese enterprises, banks should pay more attention to their enterprise credit ratings and strengthen risk management. To help banks achieving the win-win situation by optimizing the operating performance and maximizing the profits for banks, this study proposed several suggestions concerning loans strategy for Taiwan-based bank.
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