| dc.contributor.advisor | 王振寰<br>黃建淳 | zh_TW |
| dc.contributor.advisor | Wang, Jenn Hwan<br>Huang, Jiann Chen | en_US |
| dc.contributor.author (作者) | 陳琮淵 | zh_TW |
| dc.contributor.author (作者) | Chen, Tsung Yuan | en_US |
| dc.creator (作者) | 陳琮淵 | zh_TW |
| dc.creator (作者) | Chen, Tsung Yuan | en_US |
| dc.date (日期) | 2011 | en_US |
| dc.identifier (其他 識別碼) | G0942615015 | en_US |
| dc.description (描述) | 博士 | zh_TW |
| dc.description (描述) | 國立政治大學 | zh_TW |
| dc.description (描述) | 國家發展研究所 | zh_TW |
| dc.description (描述) | 94261501 | zh_TW |
| dc.description (描述) | 100 | zh_TW |
| dc.description.abstract (摘要) | 本文以馬來西亞近代發展沿革為經，華人族裔金融機構的組織變貌為緯，同時援引社會學族裔經濟（ethnic economy）之理論及概念，作為歷史詮釋的張本，嘗試勾稽華人族裔金融機構的發展梗概，論析砂拉越華資銀行在此脈絡下的發展與侷限。進而回答何以全馬僅大眾、豐隆等少數繼續茁壯，更大多數的華人金融機構卻陸續退出市場？及其所蘊寓的華人族裔經濟意涵為何？ 本文指出，在英人殖民時期，華人移民因創業謀生之所需，同族互助而有華資銀行等族裔金融機構的誕生，隨著華人逐漸融入當地生活而在戰後初年達到發展高峰。嗣後馬來西亞聯邦成立，華資銀行則在國家大力扶持土著資本的影響下趨向邊緣化；1997年東南亞金融風暴後，馬國政府力促銀行整併以回應全球化競爭，過程中華人資本被迫淡出，多數的華資銀行也因而走入歷史。總體而言，華資銀行歷經「在地化」及「土著化」進程，反映出馬來西亞華人經濟的質量變化，就社會學的領域，即是華人在馬國金融業的參與，已由早期族裔擁有的經濟（ethnic ownership economy），朝族裔控制的經濟（ethnic control economy）方向演化。 在企業史的層次，個案研究顯示：馬國絕大多數的華資銀行屬中小型規模，發展深受在地政商脈絡及華人族裔特性之影響。砂拉越的華資銀行脫胎於傳統的族裔金融機構，專注於當地業務及同族市場，有著穩健成長的特色，雖對華人經濟作出貢獻，卻難以應付一再增加的族群政策鉗制及市場競爭壓力。本文也發現，隨著時間過去，華資銀行的族裔色彩逐漸淡化，幫權結構也不斷崩解，惟有家族經營始終強韌，顯示族裔特性依然存在，但其內涵早已今非昔比；而主導銀行的家族不願向外發展，擴大規模，以免流失控制權的保守心態，亦侷限其進一步發展的可能性。 | zh_TW |
| dc.description.abstract (摘要) | This paper studies the history of Chinese ethnic financial institutions in Malaysia, and explores its implications of the “ethnic economy” theory. Following this context, this article aims to explore the societal changes resulting from the adaptation of Chinese communities to the local host population, and gradual transformation of family-controlled Malaysian Chinese banks and ethnic financial institutions. Meanwhile, I also uses case study to discuss the development and limitation of a Sarawak bank. In this paper, I try to answer the reasons why a few Chinese banks in Malaysia thrived while other ethnic financial institutions eventually went out of business. And how do the evolution of ethnic financial institutions and the related turning point reflect the meaning of the ethnic economy? I pointed out that ethnic financial institutions were created under a particular time period and background, ethnic entrepreneurs fined-tuned their resources for applicable business strategy, and their strategy allowed Chinese communities to expand in every aspect of the economy at the early colonial era. Banking systems in Singapore, Malaya and Sarawak were originally introduced by the British; later Chinese communities became involved and the financial industry reached its peak in the first few years after the World War II. The Chinese banks played a great role in the local financial industries/enterprises at the time were owned by single or multiple families. The industry then underwent a series of events, such as the sovereign separation of Singapore and Malaysia, implementation of New Economic Policy(NEP), and ongoing mergers since the millennium, resulting in only two Chinese banks, Public Bank and Hong Leong Bank, remaining in the industry with a continued decline in the proportion of their stockholding. Malaysian Chinese with significant amounts of capital were once highly involved in the banking and financial industry, but with the passage of time, the development of Chinese financial institutions was subject to the phenomenon of “indigenization” and “bumiputraization”, which both hindered their ongoing development and later drove them out of business. In the light of the ethnic economy theory, Participation of Chinese financial institutions in Malaysia were moving from an "ethnic ownership economy" towards an "ethnic controlled economy". The analysis of the Sarawak case indicates the development of Chinese banks was subject to the influence of political and local business relationships, and the distinctive ethnic features of the Chinese communities. The majority of the Chinese banks in Sarawak evolved from ethnic financial institutions, small and medium-sized business within the family control, they focused on local businesses and markets of the same ethnicity. Even though these banks contributed to the ethnic economy and saw constant growth, they were swept aside by the tide of history once the political and economic environment began to change. This article also discovered that as time went by, Chinese bank gradually changed their image as ethnic banks. The structure of “dialect groups” began to collapse as well; this was a distinctly ethnic concept whereby only family management could maintain the existence of a corporation. The major limitations which restricted the development of ethnic financial institutions were conservative family management and a reluctance to expand outward in the hope of preventing the dispersion of power. | en_US |
| dc.description.tableofcontents | 摘要 i 謝辭 iii 目次 v 表次 vii 圖次 ix 相次 x 第一章 緒論 1 第一節 研究問題 1 第二節 概念界定 7 第三節 架構、方法與資料 13 第二章 華人族裔經濟：理論與歷史 20 第一節 理論匯流 20 第二節 歷史脈絡 43 第三章 新馬華人金融機構的生成與演化 66 第一節 華人金融機構的生成 66 第二節 華資銀行誕生前的金融管道 76 第三節 新馬華資銀行的草創與成長 94 第四章 政經鉅變下的馬來西亞華資銀行 114 第一節 戰後的在地發展與制度變遷 114 第二節 土著民族主義下的華資銀行 152 第三節 因應全球化？銀行合併的論述與實際 178 第五章 砂拉越華資銀行個案分析 198 第一節 砂拉越華社的特殊性 198 第二節 活躍於戰前的銀行：廣利、中華、聯昌 209 第三節 戰後崛起的銀行：福華、華達、公明 223 第四節 華資銀行的角色與侷限 242 第六章 結論 253 第一節 一路走來的族裔金融機構 253 第二節 華人族裔經濟研究：若干反思 260 參考文獻 267 附錄 301 | zh_TW |
| dc.source.uri (資料來源) | http://thesis.lib.nccu.edu.tw/record/#G0942615015 | en_US |
| dc.subject (關鍵詞) | 族裔金融機構 | zh_TW |
| dc.subject (關鍵詞) | 族裔經濟 | zh_TW |
| dc.subject (關鍵詞) | 華資銀行 | zh_TW |
| dc.subject (關鍵詞) | 華人資本主義 | zh_TW |
| dc.subject (關鍵詞) | 馬來西亞 | zh_TW |
| dc.subject (關鍵詞) | 砂拉越 | zh_TW |
| dc.subject (關鍵詞) | Ethnic Financial Institution | en_US |
| dc.subject (關鍵詞) | Chinese Bank | en_US |
| dc.subject (關鍵詞) | Ethnic Economy | en_US |
| dc.subject (關鍵詞) | Chinese Capitalism | en_US |
| dc.subject (關鍵詞) | Malaysia | en_US |
| dc.subject (關鍵詞) | Sarawak | en_US |
| dc.title (題名) | 東南亞族裔經濟的分析：東馬華資銀行的發展與侷限 | zh_TW |
| dc.title (題名) | Study of ethnic economy in Southeast Asia: development and limitation of chinese banks in East Malaysia | en_US |
| dc.type (資料類型) | thesis | en |
