美國於1840年已有信託專業的發明(Zelizer,1983)，英國於1986年通過金融大改革的相關立法，放寬商業銀行從事投資銀行業務之限制，日本也在1993年通過「金融改革法案」允許銀行業透過子公司的形態經營證券業務。西方的銀行有商業銀行、投資銀行與私人銀行，而台灣只有開放商業銀行設立，有關企業的籌資與私人的財富規劃與傳承的金融工具相對受到影響。台灣於1991年，16家新銀行陸續申請設立，使銀行業競爭進入戰國時代，在利差縮小及競爭激烈的情況下，對中小企業放款頗為寬鬆，不料1997年遇到亞洲金融風暴，造成台灣許多企業倒閉，連帶波及金融業。進而銀行業在授信審核較嚴謹，又因中小企業財務透明度較低，不易從銀行取得融資，因此常常阻礙業務發展的機會。是故，本課程規劃以當代社會各種金融工具專題加以詮釋，以了解金融社會全貌。
我國信託法於民國1996年通過立法，「信託業務設立標準」並於2000年才頒布實施。另於2001年7月制定「金融控股公司法 」。由此觀之台灣金融商品，相對落後美國及英國等先進國家，明顯地已有一段距離。另2008年全球金融海嘯也造成許多中小企業主損失慘重，從社會學的觀點而言，銀行是將社會大眾的存款轉化為金融資本的中介機構，它的金融資本和金融專業對中小企業輔導與否，如何影響財富創造與傳承？然而，台灣加入WTO後，中小企業面臨全球化、國際化等潮流，經營倍感壓力。台灣的銀行業有那些業務，在實務上，不論在存款、放款、外匯、財富管理與信用卡等業務，如何以金融專業與金融資本協助企業提升其競爭力或社會之普羅大眾創造財富呢？當中小企業主或普羅大眾有了財富積累後，銀行如何以金融專業協助做好財富傳承規劃？我從事銀行業38年，經歷過1997亞洲金融風暴、與2008年雷曼兄弟投資銀行違約事件，造成全球金融風暴。我以多年的經驗積累，對本課程以當代各金融商品專題，教授金融社會相關議題，相信同學會有所收獲。The United States had a professional trust invention in 1840 (Zelizer, 1983), and the United Kingdom passed relevant legislation on the financial reform in 1986 to loosen restrictions on the investment banking business. Japan also passed the Financial Reform Act in 1993 to allow banks to operate securities business through subsidiaries. Western banks include commercial banks, investment banks and private banks, while Taiwan is only established by open commercial banks. The corporate wealth planning and inherited financial instruments are relatively affected. In 1991, 16 new banks in Taiwan applied for the establishment, allowing the banking industry to enter the war era. With the narrowing of interest rate spreads and fierce competition, it was easy to lend money to small and medium-sized enterprises. Unexpectedly, in 1997, the Asian financial storm caused many companies in Taiwan to collapse, which also affected the financial industry. In addition, the banking industry is more serious in credit auditing, and because the financial transparency of small and medium-sized enterprises is low, it is difficult to obtain financing from the bank, so it often hinders the opportunity for business development. Therefore, this course is planned to be discussed with various financial instrument topics of contemporary society to understand the overall picture of the financial society.
Our trust law was passed by the Republic of China in 1996, and the "credit business setting standards" was implemented in 2000. The Financial Holding Companies Law was also enacted in July 2001. Taiwan's financial commodities thus viewed clearly have a distance behind advanced countries such as the United States and the United Kingdom. In addition, the global financial outlook in 2008 also caused many small and medium-sized enterprises to suffer losses. From the perspective of social science, banks are an intermediary that converts the social public's deposits into financial capital. How does its financial capital and financial profession affect the creation and inheritance of small and medium-sized enterprises? However, after Taiwan joined the WTO, small and medium-sized enterprises have faced trends such as globalization and internationalization, and have become more stressful in operation. What businesses does Taiwan’s banking industry have? In fact, regardless of deposits, loans, foreign exchange, wealth management and credit cards, how can we use financial profession and financial capital to help enterprises improve their competitiveness or the general public in society to create wealth? When small and medium-sized enterprise owners or general public are tired of wealth, how can banks use financial expertise to help plan for wealth delivery? I have been in the banking industry for 38 years, and have experienced the 1997 Asian financial storm and the 2008 Lehman Brothers Investment Banking Contract, causing global financial storm. With years of experience, I have been working hard to teach financial and social issues in this course, and I believe my classmates will gain something.
國際金融-市場、理論與實務， 作者: 黃昱程， 出版社:華泰文化(201
銀行實務(Bank Financial Institutions), 作者:劉金華，吉遠出版社
International Finance-Market, Theory and Practice, Author: Huang Yucheng, Publisher: Huatai Culture (201
Bank Financial Institutions, Author: Liu Jinhua, Jiyuan Publishing House
| 評分項目 Grading Method | 配分比例 Grading percentage | 說明 Description |
|---|---|---|
| 平時分數平時分數 Regularity |
40 | 含出席率、上課金融相關時事分析報告 |
| 期中考期中考 Midterm exam |
30 | 隨堂考試 |
| 期未報告期未報告 Not reported in the period |
30 | 分組報告 |
