中信銀大戰駱駝星人

Abstract

在近六年的評選中，中國信託蟬聯台灣銀行業的冠軍，於銀行業中有著無法撼動的地位。為了穩固其龍頭地位，我們透過此報告提出改善建議，藉以讓中信銀繼續在銀行業脫穎而出。 首先，我們介紹了中國信託商業銀行，再來利用TEJ資料庫找到歷年的財務數據，接著透過CAMEL指標分別對2010年到2017年的運行狀況進行分析，並根據美國設定的評等標準評定中信銀的表現水準，找出其不足之處。 最後，運用創新的思維提出有別於現行制度的改造規劃及建議，我們的改造計畫包括改良信用卡功能、提升企業形象、結合金融科技的應用、增加資訊來源、增加獲利性、控制流動準備率等六項，期望增進顧客的福祉和企業競爭力。

In the recent six years, CTBC Bank Co.,Ltd have been ranked the first in financial bank industry of Taiwan. To be honest, it also has an unshakeable status that no-one can defeat it. In order to be stable for its status, we gave them some suggestions. We expect CTBC Bank will keep stand out from the crowd in financial industry. First, we introduced CTBC Bank and collected financial data by TEJ. Also, we used CAMEL rating system to analyze operational situation from 2010 to 2017. Besides, according to the rating standard set by the US, we found out CTBC’s level and its deficiencies. Finally, we gave opinions and suggestions to innovate its institutions by using innovation creation. Including amend abilities of credit cards, enhance image of enterprise, control liquid reserves, combine application of fin tech, increase information and profitability. Hope that these could increase costumers’ well-being and enterprise competitiveness.