公營行庫面臨國內、外金融環境的變遷，及受現行制度及法令規定的限制，不僅需與本國新銀行、外商銀行競爭，而且也時常需要配合政策，執行政府交付政策性任務，導致經營績效欠佳且無法及時調整經營策略。在目前『低利環境』與『市場過度競爭』下將如何持續維持獲利並突破經營困境永續發展，引起各界重視，基於上述動機，本研究選定具公股背景之A銀行為研究主體。並利用SWOT分析、五力分析及CAMELS分析來研究其經營策略。期望能提供A銀行及其他公股銀行之經營者，作為擬定策略之參考，更希望能幫助業者改善體質，創造更大的利潤與機會。Facing domestic and foreign financial environmental changes, the State-owned banks not only need to compete with their local new banks, but also foreign banks. Due to the limitations of current laws and regulations, often in order to comply with the policy, they need to implement the governmental policy. The lack of competitiveness also leads to poor operating performance with non-flexible business strategy. How to survive in current low interest rate environment, excessive market competition, and still be profitable and thriving with a breakthrough in financial difficulties has caught the public attention. Based on the above reason, this study has selected the background of the public shares of Bank A as the study subject. We use SWOT analysis, Five forces analysis, and CAMELS analysis to study its business strategy. We hope to provide the operators of bank A and other State-owned banks a reference for developing strategies to meet the industry goal to help improving system and create greater profits and opportunities.
