台灣在1990年代私營新銀行未開放之前，金融產業的重要組織主要以信合社、農會之基層金融及公營行庫為主。於1991年新銀行陸續成立16家，直至2001年間金融六法通過後，開放金融控股公司設立，此趨勢主要之緣由是來自1997年發生亞洲金融風暴，使一些台灣企業，因財務管理失控造成倒帳嚴重，連帶失業率創新高，致使台灣金融業直接、間接授信受創甚鉅，許多基層金融、地區性銀行及新銀行受到波及，吃下不少呆帳。政府及立法部門因應時勢所需，不得不於2001年間通過金融六法，產生金融合併相對法源；尤其對不良資產，可透過AMC(資產管理公司)處理，使經營不善的銀行暫獲得歸宿。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、財富管理與信用卡和大數據數位金融創新等業務，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41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，對本課程以實務面教授金融社會相關議題，相信同學會有所收獲。
Before the opening of new private banks in Taiwan in the 1990s, important organizations in financial industries were mainly based on the basic finance and public banks of Xinhe Cooperatives and Farmers. In 1991, 16 new banks were established until 2001 when the Six Financial Laws were passed, the establishment of financial holding companies was opened. This trend was mainly due to the Asian financial storm in 1997, which caused some Taiwanese companies to have severe downs due to loss of control of financial management and the loss of employment rate to hit a new high, resulting in a direct and indirect credit of Taiwan's financial industry. Many basic finance, regional banks and new banks were affected, and they took a lot of idle accounts. Due to the timely needs, the government and the legislative departments had to pass the Six Financial Laws in 2001 to generate a relative legal source of financial mergers; especially for bad assets, they can be handled through AMC (asset management company), so that poorly managed banks can still obtain accommodation. 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, credit cards, and large-scale digital financial innovation, 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 41 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 teaching financial and social issues in practical terms in this course. I believe my classmates will gain something.
1.選用書本:銀行實務(Bank Financial Institutions), 作者:劉金華，吉遠出版社，
訂書專線:0932-515752(柯清林)
2.陳介玄: 1995 貨幣網絡與生活結構，台北：聯經出版事業公司。
1. Selected book: Bank Financial Institutions, Author: Liu Jinhua, Jiyuan Publishing House,
Bookline: 0932-515752 (Ke Qinglin)
2. Chen Jiexuan: 1995 Coin network and life structure, Taipei: a joint publishing company.
| 評分項目 Grading Method | 配分比例 Grading percentage | 說明 Description |
|---|---|---|
| 平時分數平時分數 Regularity |
30 | 包括出席率和提問 |
| 平時報告平時報告 Regular report |
10 | |
| 期中考期中考 Midterm exam |
30 | |
| 期未考期未考 No exams |
30 |
