| Summary: | 碩士 === 淡江大學 === 日本研究所碩士班 === 97 === Since 1997, the collapse of great financial structures , worsening of business performances and big bang resulted in the idea of companies joining financial industry. The industry of distribution hoped to break the limit of selling business and the price wars; The financial industry, on the other hand, wished to raise the competitiveness by increasing the convenience for clients. Above all combined with the Deregulation cause the novel form of bank. One of these banks, SEVEN bank, ambitions promoting synergy effect of selling. The other one, AEON bank, wants to become a retail full-banking by establishing instore branches and targeting female clients. The main subject of this study is whether the comebination of financial industry and industry of distribution could bring the synergy effect out.
This study adopted CAMEL ratings used by American Financial regulators and method of financial statement analysis to estimate the financial conditions of SEVEN bank and AEON bank. Observe the change of five components-Capital Adequacy(C), Asset Quality(A), Management Quality(M), Eamings(E)and Liquidity(L). Other banks of same time are acted as contrast to see the synergy for retail banks. Conclusions and discoveries have been reached as below.
1. The ATM tactic of SEVEN bank succeeded. On the other hand, the synergy effect did not develope.
2. The management of AEON bank is hard to reach the expected goal. The synergy effect is still uncovered.
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