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 private new banks in Taiwan in the 1990s, the important organizations in the financial industry were mainly grassroots financial institutions such as credit cooperatives and farmers' associations, and public banks. In 1991, 16 new banks were established one after another. It was not until the passage of the Six Financial Laws in 2001 that financial holding companies were established. The main reason for this trend was the Asian Financial Crisis in 1997, which caused some Taiwanese companies to suffer serious debts due to out-of-control financial management, and the unemployment rate reached a record high. As a result, direct and indirect credit extensions in Taiwan's financial industry were severely damaged. Many grassroots finance, regional banks and new banks were affected and suffered a lot of bad debts. In response to the needs of the times, the government and legislative departments had to pass the Six Financial Laws in 2001 to create a legal source of financial mergers; in particular, non-performing assets can be handled through AMCs (asset management companies), so that poorly managed banks can temporarily find a home. However, after Taiwan joined the WTO, small and medium-sized enterprises faced trends such as globalization and internationalization, and their operations were under great pressure. What businesses does Taiwan's banking industry have? In practice, whether it is deposits, loans, foreign exchange, wealth management and credit cards, big data digital financial innovation and other businesses, how can financial expertise and financial capital be used to help enterprises improve their competitiveness or create wealth for the general public in society? When small and medium-sized business owners or the general public have accumulated wealth, how can banks use their financial expertise to assist in wealth inheritance planning? I have been in the banking industry for 43 years and have experienced the 1997 Asian financial crisis and the 2008 Lehman Brothers investment bank default, which caused the global financial crisis. I have accumulated many years of experience and I believe that students will gain something from this course, which uses the theory and practice of money and banking to teach financial and social-related topics.
2. Curriculum Core Care
Banks in the West include commercial banks, investment banks and private banks, while in Taiwan only open commercial banks have been established. Financial instruments related to corporate financing, private wealth planning and inheritance are relatively affected. From the development process of small and medium-sized enterprises, we can see the changes in Taiwan's society. Taiwan's small and medium-sized enterprises have many success factors, among which the use of external funds to expand reproduction is an indispensable and important factor. As Marx (1967) said, financial capital is used to expand reproduction in the industry. However, whether it is small and medium-sized enterprises or individual actors, financial institutions and financial markets play an intermediary role in direct finance and indirect finance between suppliers and demanders of funds. For example, many small and medium-sized enterprises use financial capital to upgrade equipment, increase operating working capital, expand business, and thereby create wealth.
Marx (1967) said that banks play the role of monetary intermediaries, converting deposit currency into financial capital. We understand that the capital transactions of corporate organizations in contemporary society must go through the banking system. The monetary transactions between banks and small and medium-sized enterprises, whether it is deposits, loans, financial management, or foreign exchange exchange relationships between international trade. Therefore, the content of this semester is based on the theories and practices related to currency and banking, with the financial events that occur every day in contemporary society as material. I believe that after completing this course, you will have a considerable understanding of currency, banking, and financial practices. To achieve 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

Semester books
Book selection: Money and Banking - the latest financial technology and theory, author: Ye Qiunan and three others, Wunan Bookstore