一、課程目標
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43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，對本課程以貨幣與銀行相關理論與實務面教授金融社會相關議題，相信同學會有所收獲。
二、課程核心關懷
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。從中小企業的發展過程中看到臺灣社會變遷形貌。臺灣中小企業有許多成功因素，其中引用外來資金擴大再生產是不可缺少的重要因素，就像Marx(1967)所稱，金融資本使用於本業擴大再生產。但不論是中小企業或是個別行動者，在資金的供給者與需求者間金融機構與金融市場的直接金融與間接金融均扮演中介者角色。如許多中小企業藉此金融資本去做更新設備，增加營運週轉金、擴大營業，進而創造財富。
Marx(1967)稱銀行是貨幣中介的角色，它將存款貨幣轉化為金融資本。我們了解當代社會之企業組織體的資金往來須透過銀行體系，銀行與中小企業貨幣往來不論是存款、放款、理財或是國際貿易之間外匯兌換關係，是故，本學期上課內容，以貨幣與銀行相關理論與實務為基礎，在加上當代社會每天所發生的金融事件為素材，相信，修完本課程可對貨幣與銀行和金融實務有相當的了解。達到金融社會化的目標。
1. Course objectives
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 rate also 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 43 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 related to the theory and practice of the bank in this course. I believe my classmates will gain something.
2. Course Core Related
Western banks include commercial banks, investment banks and private banks, while Taiwan is only established by open commercial banks. The financial resources of relevant enterprises, private wealth planning and inherited financial instruments are relatively affected. From the development of small and medium-sized enterprises, we have seen the changing social landscape in Taiwan. There are many success factors for Taiwanese small and medium-sized enterprises, among which cited external funds to expand and regenerate are indispensable and important factors. As Marx (1967) claims, financial capital is used in the industry to expand and regenerate. However, whether it is a small and medium-sized enterprise or a specialist, both play the role of intermediary between financial institutions and financial markets, direct finance and interchange finance between financial institutions and financial markets. For example, many small and medium-sized enterprises use this financial capital to update equipment, increase operational transfers, expand business, and then create wealth.
Marx (1967) calls the bank the role of currency intermediary, which converts deposit coins into financial capital. We understand that the financial transactions of corporate organizations in contemporary society must be based on banking systems. Banks and small and medium-sized enterprises' currency transactions are related to deposits, loans, financial management or international trade. Therefore, the content of the courses in this period is based on the theoretical discussions and practices of currency and banking, and the financial events that occur every day in contemporary society are used as materials. I believe that after completing this course, you can have a considerable understanding of currency and banking and financial practices. Achieving the goal of financial socialization.
學期用書
選用書本:貨幣銀行學-最新金融科技與理論，作者:葉秋南等三人，五南書局
Studying books
Selected book: Coin Banking - Latest Financial Technology and Theory, Author: Ye Qiunan and three others, Wunan Book Bureau
| 評分項目 Grading Method | 配分比例 Grading percentage | 說明 Description |
|---|---|---|
| 出席率出席率 Attendance rate |
30 | |
| 個人報告個人報告 Personal Report |
10 | |
| 期中考期中考 Midterm exam |
30 | |
| 期末考期末考 Final exam |
30 |
