本篇主要針對台商在越南的融資模式作一廣泛性的討論。由於台灣是島嶼型經濟體，國內巿場有其侷限，為追求營運成長，台商必須朝國際化發展，而前往越南的台商多以中小企業為主，其投資與營運資金係以依賴台灣母公司為主，由於在越南當地缺乏信用背景，使得其向當地銀行或者外資銀行申請融資均相當不易，或是相關條件過於嚴苛難以負擔，致造成資金成本大幅上升。故台資銀行針對其營運模式、資本結構、資金需求及擔保品等，進行相關整合規劃，量身訂做合適之融資模式及產品，滿足台商資金需求，同時也可去化台資銀行資金並提高收益。本文中提供7個案例，皆為作者相關業務之真實個案，藉由對台資企業背景描述、營運模式解說及資金需求規劃，瞭解銀行端如何針對客戶之需求及其特色，設計適合相關之融資模式，並同時降低銀行授信風險，賺取利差，為雙方創造共贏之局面。;This article focuses on a broad discussion on the financing models of Taiwanese companies in Vietnam. Since Taiwan is an island economy, the domestic market has its limitations. In order to pursue operational growth, Taiwanese companies must develop towards internationalization. Taiwanese companies investing in Vietnam are mostly small and medium-sized enterprises, and their investment and working capital depend on Taiwan, where their parent companies are mainly based. Due to the lack of credit background in Vietnam, it is very difficult to apply for financing from local banks or foreign banks in Vietnam, resulting in a substantial increase in capital costs. Therefore, Taiwanese banks conduct relevant integration planning for their business models, capital structure, capital needs, and collateral, and tailor-made appropriate financing models and products to meet Taiwanese companies’ capital needsand increase revenue. This article provides 7 cases, all of which are real cases related to author’s related business. By these cases, we can understand how banks have designed the appropriate financing models for the needs of customers. Meanwhile, these models can reduce the banks’ credit risk and earn interest spreads, creating a win-win situation for both parties。
