| 摘要: | 依據經濟部中小企業處所發『2008年中小企業白皮書』中所示，台灣中小企業總家數逾123.7萬家，占全國企業總數97.63％。所雇用的員工人數逼近793萬9千人，占全國就業總人數的77.12％，總體銷售值更是高達10兆元，這顯示中小企業不僅是台灣經濟體系中的主體，也是台灣經濟發展不可或缺的基礎。本論文從中小企業之特殊性及銀行融資現況，探討國內民營銀行對中小企業融資成效不彰的原因，從中發現大型民營金控為降低中小企業授信風險，已逐漸跳脫與中小企業客戶往來僅著重在授信單一業務的模式。根據許多研究分析顯示，中小企業市場是一個能夠獲利的市場，有些客群和業務有利可圖，有些則未必。為提升民營銀行經營中小企業客群之績效，如何從廣大的中小企業市場中篩選出值得經營的中小企業客群及搭配適合的產品，為民營銀行成功經營中小企業客戶的重要課題。透過個案銀行以零售金融模式經營中小企業客群的失敗經驗，及個案銀行再以企業金融模式對中小企業市場所做的相關研究及分析，不僅為該行目前經營中小企業客戶及實務運作的重要依據，也可做為國內民營銀行經營中小企業客群模型的參考，進而提升與中小企業客戶往來意願及經營績效。 According to the “2008 White Paper” published by Small and Medium enterprise, Ministry of Economic Affairs, Taiwan has over 1,237,000 SME, Small and Medium Enterprises, which accounting for 97.63% of all business enterprises. SME employed nearly 7,939,000 people, representing 77.12% of domestic labor population, and contributed over 10,000 billion of sales revenues. SME are not only the key roles for Taiwan economy, but also the critical foundation supporting the economic growth of Taiwan. By studying SME’s uniqueness and banks’ SME financing situation, my essay discussed the reasons of the unsatisfactory results which domestic private banks currently financed SME and found domestic private financial holdings are getting change from crediting single business to variety of business to reduce SME crediting risk. Lots of research and analysis reveals that SME market is profitable for private banks. Some segments and businesses really are, but some are not. To increase the performance in running SME, how to find valuable segmentation and along with proper products will be the key points for private banks to run a successful SME model. By study of case bank, through the failure experience in running SME with retail banking model and their succeeding research by changing with enterprise banking model, these experience and study are not only the practical guidance of case bank but also help other banks as a reference of segmenting SME models, increase the willingness to run with SME, and increase profitability. |
