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研究生: 范姜光男
Kuang-nan Fan Chiang
論文名稱: 銀行競合策略之研究—以台灣地區銀行業為例
A Study of Cooperation and Competition Within Commercial Banks in Taiwan
指導教授: 劉代洋
Day-Yang Liu
口試委員: 鄭仁偉
none
曾國安
none
學位類別: 碩士
Master
系所名稱: 管理學院 - 財務金融研究所
Graduate Institute of Finance
論文出版年: 2013
畢業學年度: 101
語文別: 中文
論文頁數: 54
中文關鍵詞: 競合策略合作能力合作強度市場學習
外文關鍵詞: coopetition, cooperative ability, cooperative intensity, market learning
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競合策略意指採取與競爭者既競爭又合作的策略,藉以提升公司顧客績效及財務績效為目的。過去的研究大多探討企業之間與部門之間的競合策略,本研究則著重於探討銀行分行或產品銷售部門內(本研究定義銀行分行為產品銷售部門)所採取競合策略之研究,試圖對銀行分行之經營管理與增進銀行績效提出建議。本研究對象為台灣地區銀行業,利用The Banker雜誌排名前15家商業銀行為抽樣框架,利用問卷方式,針對每家銀行分行之兩位資訊提供者,包括銀行分行之經理及業務主管,蒐集與競合策略有關之問卷資料進行階層迴歸分析。本研究回收有效樣本數109份,包括109家分行及218位行員,研究結果發現:1.銀行分行內部同時發生合作能力與合作強度對顧客績效具正面影響力;2.銀行分行內部同時發生競爭、合作能力與合作強度對市場學習具正面影響力;3.在市場學習中介效果下,促使銀行分行內部發生競爭與合作能力對顧客績效具正面影響力;4.在市場學習中介效果下,促使銀行分行內部同時發生合作強度與合作能力對顧客績效具正面影響力;5.市場學習對顧客績效及財務績效具正面影響力。


Coopetition is defined as the joint occurrence of competition and cooperation toward your competitor, thus achieving the goal of enhancing the customer and financial performance of a company. Past research tended to view the inter-corporate relationships or inter-departmental relations within a firm. This research focuses on the coopetition adopted within banking branches or sales departments to provide decision-making guidance for managing the bank branches and for enhancing the bank performance. Sampling frame is all branches of the top fifteen commercial banks as suggested by The Banker magazine. Two informants, including the branch managers and sales chiefs, from every branch were chosen to complete survey. Hierarchical regression analyses were conducted on the survey results related to the coopetition. The research collected 109 effective samples, including 109 branches and 218 bank workers. The result shows as follows: 1.The joint occurrence of cooperative ability and cooperative intensity within a branch has a positive impact on the customer performance. 2. The joint occurrence of competition, cooperative ability, and cooperative intensity within a branch has a positive effect on market learning. 3. Market learning mediates the influence of the joint occurrence of cooperative ability and competition within a branch has a positive effect on the customer performance. 4. Market learning mediates the influence of the joint occurrence of cooperative intensity and cooperative ability within a branch has a positive effect on the customer performance. 5. Market learning has a positive effect on the customer and financial performance.

摘要 I ABSTRACT II 致謝 III 目錄 IV 圖目錄 VI 表目錄 VII 第一章 緒論 1 第一節 研究背景與動機 1 第二節 研究目的 3 一、 探究競合策略對銀行之影響 3 二、 探究新變數之影響 3 三、 提供改善銀行經營管理之建言 4 第三節 研究內容與流程 4 第四節 研究限制 5 第二章 文獻探討 6 第一節 競合策略 6 第二節 競合策略效果對績效的影響 8 一、 合作能力與競爭交互作用對績效之影響 8 二、 合作強度與競爭交互作用對績效之影響 9 三、 合作能力與合作強度與競爭交互作用對績效之影響 10 第三節 市場學習的中介角色 11 第三章 研究方法 13 第一節 模型架構 13 第二節 變數選擇 15 第三節 研究假說 16 第四節 資料來源 18 第五節 變數衡量 20 一、 合作強度與合作能力 21 二、 競爭 22 三、 市場學習 23 四、 顧客績效與財務績效 24 五、 共變項 25 第六節 統計分析方法 26 一、 敘述性統計 26 二、 相關分析 26 三、 驗證性因素分析 27 四、 迴歸分析 27 第四章 實證結果 28 第一節 樣本基本資料分析 28 第二節 敘述統計與相關係數分析 29 第三節 研究假說之檢驗 31 一、 競合策略對顧客績效之影響 31 二、 競合策略對財務績效之影響 32 三、 競合策略對市場學習之影響 34 四、 競合策略加市場學習調節作用對組織績效之影響效果 35 五、 研究假說檢驗之彙總 37 第五章 結論與建議 40 第一節 研究結果之討論 40 一、 競合策略對顧客績效結果之討論 40 二、 競合策略效果對財務績效結果之討論 41 三、 競合策略對市場學習結果之討論 41 四、 市場學習中介效果對組織績效結果之討論 42 第二節 管理意涵之建議 44 一、 合作社群關係的強連結協助銀行分行提升顧客績效 44 二、 銀行分行競合策略對市場學習具有正面影響力 44 三、 市場學習中介效果促進競合策略對顧客績效之影響 45 四、 市場學習中介效果促進合作強連結對顧客績效之影響 45 五、 市場學習有利於顧客績效及財務績效 45 附錄:研究問卷 47 參考文獻 50 一、 中文部分 50 二、 英文部分 50

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