Publications-Theses

Article View/Open

Publication Export

Google ScholarTM

NCCU Library

Citation Infomation

Related Publications in TAIR

題名 銀行業併購之研究 -以渣打銀行併購新竹商銀為例
The study of Banking Mergers – Using the Standard Chartered Bank/Hsinchu International Bank as a Case Study
作者 王政欽
Wang, Cheng Chin
貢獻者 巫立宇
Wu, Lei Yu
王政欽
Wang, Cheng Chin
關鍵詞 併購
策略管理
人力資源發展
組織文化
Mergers and Acquisitions
Strategic Management
human resource development
organizational culture
日期 2015
上傳時間 15-Feb-2016 10:07:08 (UTC+8)
摘要 在日益競爭的國際金融環境下,為了提升台灣金融市場自由化及國際化,政府前後推動兩次金融改革,希望能藉由金融整併,使金融機構更具規模化、提高金融機構經營效率,希望藉此提升國內銀行的國際競爭力。利用併購雖然可以迅速取得市場上的規模優勢,但併購是否成功,關鍵在於企業雙方的經營理念、組織文化、人資結構等各方面的調合,因此企業進行併購要思考的面向非常多元。
以渣打銀行併購新竹商銀為例,從併購動機、組織文化融合、管理策略、再到渣打全球集團的組織變革,檢視外商銀行與本土銀行融合的歷程。輔以個案研究方式簡述作者十年間在併購銀行前後的工作歷程,再試著分析當時環境局勢下的銀行併購策略及作者接管分行的管理思維。經由本研究,提出以下之結論:
一、 併購下組織文化的移轉過程都會遭遇到不少的障礙與衝突,在確立企業目標後搭配組織策略運作及人力資源發展才能將衝突降至最低,促使購併後的組織文化順利融合,發揮原本預計的合併綜效。
二、 因應競爭激烈的金融環境及所處的台灣市場,值此時代下的金融從業人員,應隨時關注整體外部局勢,再思維自身的狀況,擬定明確的方向、善用策略矩陣及管理矩陣架構去思維並整合週邊資源,擬定具體的執行計劃以達成設定之目標。
Under an increasingly competitive international financial environment, the Taiwanese Government has implemented twice financial reforms in order to enhance Taiwan`s financial market liberalization and internationalization. The government hopes to enhance the international competitiveness of domestic banks through realizing the financial acquisition to help financial institutions scale up and improve its operational efficiency. Although it can gain the advantage of market scale through acquisition quickly, however, the key of succeeding in an acquisition relies on the consensus of managing philosophies, organizational cultures and human resource structure differences between acquiring and acquired firms. Therefore, companies need to think of pluralistic situations while making corporate acquisition decisions.

Taking Standard Chartered Bank acquired Hsinchu International Bank as a case study, this paper reviews the integrating process of a foreign bank and a local bank from its merger motives, organizational cultures, management strategies and Standard Chartered Group`s organizational change. The paper briefs the author’s 10 years of working experience in banking industry. It analyzes the acquisition strategy as well as the author’s managerial thinking after taking over a branch of Standard Chartered Bank in Taiwan.

This study proposes the following conclusions:
First, after the merger, there will be a lot of obstacles and conflicts during the transferring process of organizational culture. After make sure the enterprise target, Applying the organizational strategy and human resource development to minimize the conflicts and integrate cultures smoothly is the key factor to achieve the expected merger synergies.

Second, in response to the intense competition under the financial environment nowadays, financial professionals should develop a clear goal by focusing on the overall external environment, knowing their own abilities, applying the Strategies and Management Matrix to architecture the thinking and to integrate their resources together. Then they can develop specific execution plans to achieve their goal.
參考文獻 1. Brigham, Eugene F. & Louis C. Gapenski. 1991.Flotation Cost Adjustments. Financial Practice and Education, 1(2): 29-34.
2. Cooke,T.E. 1986.Voluntary disclosure by Swedish companies, Journal of International Financial Management and Accounting, 1(2),pp.1-25.
3. Creswell, J. 1998.Qualitative inquiry and research design: Choosing among five traditions. Chp.3 & 4. (pp.27-72). Thousand Oaks: Sage.
4. Gareth R Jones, 2010, Organizational Theory, Design and Change, 6th ed., Pearson Education: Prentice Hall, cop.
5. Gary Dessler & Tan Chwee Huat, 2008,Human Resource Management: An Asian Perspective 2nd Edition, Published by Pearson Education
6. Haim Levy and Marshall Sarnat, 1970,International Diversification of Investment Portfolios, American Economic Review, vol. 60, issue 4, pages 668-675
7. Laurel S. Jeris, James R. Johnson and C. Carol Anthony, 2002,HRD involvement in merger and acquisition decisions and strategy development: four organizational portraits, International Journal of Training and Development, Volume 6, Issue 1, pages 2–12, March 2002
8. Marks, M.L.1991.Merger management HR’s way, HR Magazine: on human resource management, pp.60-66, May 1991.
9. Pilippe Haspeslagh & David Jemison. 1992.Making Acquisitions Work, University of Texas, U.S.A.
10. Wilbur G. Lewellen, 1971, A Pure Financial Rationale For The Conglomerate Merger, The Journal of Finance, Volume 26, Issue 2, pages 521–537, May 1971
11. 王泰允,1991,企業購併實用,台北:遠流出版公司出版
12. 司徒達賢,2001,策略管理新論。台北:智勝文化出版
13. 司徒達賢,2005,管理學的新世界。台北:天下文化出版
14. 全球併購研究中心編,2010,中國併購報告2009,中國金融出版社出版
15. 朱柔若譯(2000), (Neuman, W.L. (1997). Social research methods, 3nd Ed. Chp. 4. Toronto: Allyn & Bacon.) 社會研究方法,台北:揚智文化出版
16. 邱劍英,2008,新竹商銀,二次金改的贏家,天下雜誌 361 期
17. 柯美月,2007,外商還會在台招親嗎,Taiwan News 週刊 273 期
18. 洪千惠,2008,渣打銀行購併新竹商業銀行個案研究,國立台灣科技大學碩士論文
19. 徐宗國譯,1997,(Corbin & Strauss, 1990, Grounded Theory Research),質性研究概論。台北:巨流出版社出版
20. 黃士銓,2009,跨國銀行企業購併組織文化融合之研究-以英商渣打銀行購併新竹國際商銀為例,國立交通大學碩士論文
21. 潘淑滿,2003,質性研究理論與應用,台北:心理出版社出版。
描述 碩士
國立政治大學
企業管理研究所(MBA學位學程)
103363043
資料來源 http://thesis.lib.nccu.edu.tw/record/#G0103363043
資料類型 thesis
dc.contributor.advisor 巫立宇zh_TW
dc.contributor.advisor Wu, Lei Yuen_US
dc.contributor.author (Authors) 王政欽zh_TW
dc.contributor.author (Authors) Wang, Cheng Chinen_US
dc.creator (作者) 王政欽zh_TW
dc.creator (作者) Wang, Cheng Chinen_US
dc.date (日期) 2015en_US
dc.date.accessioned 15-Feb-2016 10:07:08 (UTC+8)-
dc.date.available 15-Feb-2016 10:07:08 (UTC+8)-
dc.date.issued (上傳時間) 15-Feb-2016 10:07:08 (UTC+8)-
dc.identifier (Other Identifiers) G0103363043en_US
dc.identifier.uri (URI) http://nccur.lib.nccu.edu.tw/handle/140.119/81257-
dc.description (描述) 碩士zh_TW
dc.description (描述) 國立政治大學zh_TW
dc.description (描述) 企業管理研究所(MBA學位學程)zh_TW
dc.description (描述) 103363043zh_TW
dc.description.abstract (摘要) 在日益競爭的國際金融環境下,為了提升台灣金融市場自由化及國際化,政府前後推動兩次金融改革,希望能藉由金融整併,使金融機構更具規模化、提高金融機構經營效率,希望藉此提升國內銀行的國際競爭力。利用併購雖然可以迅速取得市場上的規模優勢,但併購是否成功,關鍵在於企業雙方的經營理念、組織文化、人資結構等各方面的調合,因此企業進行併購要思考的面向非常多元。
以渣打銀行併購新竹商銀為例,從併購動機、組織文化融合、管理策略、再到渣打全球集團的組織變革,檢視外商銀行與本土銀行融合的歷程。輔以個案研究方式簡述作者十年間在併購銀行前後的工作歷程,再試著分析當時環境局勢下的銀行併購策略及作者接管分行的管理思維。經由本研究,提出以下之結論:
一、 併購下組織文化的移轉過程都會遭遇到不少的障礙與衝突,在確立企業目標後搭配組織策略運作及人力資源發展才能將衝突降至最低,促使購併後的組織文化順利融合,發揮原本預計的合併綜效。
二、 因應競爭激烈的金融環境及所處的台灣市場,值此時代下的金融從業人員,應隨時關注整體外部局勢,再思維自身的狀況,擬定明確的方向、善用策略矩陣及管理矩陣架構去思維並整合週邊資源,擬定具體的執行計劃以達成設定之目標。
zh_TW
dc.description.abstract (摘要) Under an increasingly competitive international financial environment, the Taiwanese Government has implemented twice financial reforms in order to enhance Taiwan`s financial market liberalization and internationalization. The government hopes to enhance the international competitiveness of domestic banks through realizing the financial acquisition to help financial institutions scale up and improve its operational efficiency. Although it can gain the advantage of market scale through acquisition quickly, however, the key of succeeding in an acquisition relies on the consensus of managing philosophies, organizational cultures and human resource structure differences between acquiring and acquired firms. Therefore, companies need to think of pluralistic situations while making corporate acquisition decisions.

Taking Standard Chartered Bank acquired Hsinchu International Bank as a case study, this paper reviews the integrating process of a foreign bank and a local bank from its merger motives, organizational cultures, management strategies and Standard Chartered Group`s organizational change. The paper briefs the author’s 10 years of working experience in banking industry. It analyzes the acquisition strategy as well as the author’s managerial thinking after taking over a branch of Standard Chartered Bank in Taiwan.

This study proposes the following conclusions:
First, after the merger, there will be a lot of obstacles and conflicts during the transferring process of organizational culture. After make sure the enterprise target, Applying the organizational strategy and human resource development to minimize the conflicts and integrate cultures smoothly is the key factor to achieve the expected merger synergies.

Second, in response to the intense competition under the financial environment nowadays, financial professionals should develop a clear goal by focusing on the overall external environment, knowing their own abilities, applying the Strategies and Management Matrix to architecture the thinking and to integrate their resources together. Then they can develop specific execution plans to achieve their goal.
en_US
dc.description.tableofcontents 目錄 2
表目錄 5
圖目錄 5
摘要 7
第一章 緒論 10
第一節 研究背景 10
第二節 研究動機 11
第三節 研究架構 13
第二章 文獻探討 15
第一節 企業併購(M&A) 16
一、企業併購介紹 16
二、收購的兩種對象 17
三、併購動機 19
四、購併相關理論 20
第二節 HRD與M&A的關係 23
一、策略相互依賴 (STRATEGIC INTERDEPENDENCE) 24
二、組織自主性(ORGANIZATIONAL AUTONOMY) 25
第三節 策略矩陣與管理矩陣 26
一、策略矩陣 26
二、管理矩陣 28
第三章 研究方法 31
第一節 質性研究 31
一、質性研究典範(PARADIGM OF QUALITATIVE RESEARCH;METHODOLOGY) 31
二、質性研究方法(QUALITATIVE RESEARCH METHOD)種類 33
三、質性資料研究法 34
第二節 研究方法的選擇 35
一、個案研究法 36
二、半結構的訪談(SEMISTRUCTURED INTERVIEWS) 39
第四章 併購動機與組織文化融合探討 41
第一節 渣打銀行簡介及合併動機 42
第二節 新竹商銀簡介及合併動機 43
第三節 合併過程與組織文化融合 45
一、經營管理 46
二、文化理念 47
三、行政效率 47
第四節 導入HRD,促成組織文化融合成功的要角 48
一、組織結構部分 49
二、組織文化交流 50
第五節 組織變革計劃與集團接軌 50
第五章 個案研究 - 十年職涯歷程 52
第一節 台北富邦期間 52
一、 初出茅蘆 52
二、 創造差異化 53
三、 方向抉擇 55
第二節 渣打銀行期間 55
一、公司背景介紹 55
二、新任外商主管的挑戰 57
三、關鍵任務-成為總部與前線橋梁-前線講師及區域COACH 60
四、全新的挑戰 - 分行經營 61
五、獲選標竿經理人、參與人材庫建制 66
第六章 策略與管理分析 67
第一節 渣打購併新竹商銀之策略考量 67
一、通路便捷及品牌力考量: 70
二、發揮國際性銀行優勢,產品創新及國際化: 71
三、提升系統、推動組織變革,搭配人民幣活動,進一步提升品牌力 73
第二節 經營分行之管理思維 75
一、人事安排-安內的部分 76
二、業績成長-攘外的部分: 77
第三節 推動組織變革之整合思維 79
第七章 研究結論與建議 83
第一節 研究結論 83
第二節 研究建議: 84
一、併購首重組織文化融合、方能發揮綜效 84
二、檢視金控強項、成為切入市場利基 84
三、順應時代趨勢、創新合作模式 85
四、強化本職學能、增加跨部門的整合能力 85
參考文獻 87
參考網址 89
zh_TW
dc.format.extent 1312146 bytes-
dc.format.mimetype application/pdf-
dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0103363043en_US
dc.subject (關鍵詞) 併購zh_TW
dc.subject (關鍵詞) 策略管理zh_TW
dc.subject (關鍵詞) 人力資源發展zh_TW
dc.subject (關鍵詞) 組織文化zh_TW
dc.subject (關鍵詞) Mergers and Acquisitionsen_US
dc.subject (關鍵詞) Strategic Managementen_US
dc.subject (關鍵詞) human resource developmenten_US
dc.subject (關鍵詞) organizational cultureen_US
dc.title (題名) 銀行業併購之研究 -以渣打銀行併購新竹商銀為例zh_TW
dc.title (題名) The study of Banking Mergers – Using the Standard Chartered Bank/Hsinchu International Bank as a Case Studyen_US
dc.type (資料類型) thesisen_US
dc.relation.reference (參考文獻) 1. Brigham, Eugene F. & Louis C. Gapenski. 1991.Flotation Cost Adjustments. Financial Practice and Education, 1(2): 29-34.
2. Cooke,T.E. 1986.Voluntary disclosure by Swedish companies, Journal of International Financial Management and Accounting, 1(2),pp.1-25.
3. Creswell, J. 1998.Qualitative inquiry and research design: Choosing among five traditions. Chp.3 & 4. (pp.27-72). Thousand Oaks: Sage.
4. Gareth R Jones, 2010, Organizational Theory, Design and Change, 6th ed., Pearson Education: Prentice Hall, cop.
5. Gary Dessler & Tan Chwee Huat, 2008,Human Resource Management: An Asian Perspective 2nd Edition, Published by Pearson Education
6. Haim Levy and Marshall Sarnat, 1970,International Diversification of Investment Portfolios, American Economic Review, vol. 60, issue 4, pages 668-675
7. Laurel S. Jeris, James R. Johnson and C. Carol Anthony, 2002,HRD involvement in merger and acquisition decisions and strategy development: four organizational portraits, International Journal of Training and Development, Volume 6, Issue 1, pages 2–12, March 2002
8. Marks, M.L.1991.Merger management HR’s way, HR Magazine: on human resource management, pp.60-66, May 1991.
9. Pilippe Haspeslagh & David Jemison. 1992.Making Acquisitions Work, University of Texas, U.S.A.
10. Wilbur G. Lewellen, 1971, A Pure Financial Rationale For The Conglomerate Merger, The Journal of Finance, Volume 26, Issue 2, pages 521–537, May 1971
11. 王泰允,1991,企業購併實用,台北:遠流出版公司出版
12. 司徒達賢,2001,策略管理新論。台北:智勝文化出版
13. 司徒達賢,2005,管理學的新世界。台北:天下文化出版
14. 全球併購研究中心編,2010,中國併購報告2009,中國金融出版社出版
15. 朱柔若譯(2000), (Neuman, W.L. (1997). Social research methods, 3nd Ed. Chp. 4. Toronto: Allyn & Bacon.) 社會研究方法,台北:揚智文化出版
16. 邱劍英,2008,新竹商銀,二次金改的贏家,天下雜誌 361 期
17. 柯美月,2007,外商還會在台招親嗎,Taiwan News 週刊 273 期
18. 洪千惠,2008,渣打銀行購併新竹商業銀行個案研究,國立台灣科技大學碩士論文
19. 徐宗國譯,1997,(Corbin & Strauss, 1990, Grounded Theory Research),質性研究概論。台北:巨流出版社出版
20. 黃士銓,2009,跨國銀行企業購併組織文化融合之研究-以英商渣打銀行購併新竹國際商銀為例,國立交通大學碩士論文
21. 潘淑滿,2003,質性研究理論與應用,台北:心理出版社出版。
zh_TW