選擇新加坡系銀行為台商前進東協之金融夥伴之可行性分析

Abstract

隨著世界局勢的改變，美中貿易戰加上在中國投資成本逐年提高，部分台商已將產能轉回臺灣或是轉到第三地投資，有些台商趁機布局國際市場，擴大營運版圖，將危機變成轉機。由於臺灣是高度倚重外需市場，台商必須將分散其供應鏈，重新設廠或移轉到相對具競爭力的地區如東協或印度等地。 新加坡系的銀行是台商企業轉戰東協市場可加以善用的金融投資伙伴，雖然配合政府新南向政策，國內銀行業亦積極往東協拓展，因為設立時間及規模未及新加坡銀行完善，加上東協國家民情風俗差異頗大，因此前往東協發展必須在當地找一個合適的銀行。新加坡三大銀行均在台設立分行並主要提供企業金融服務，台商可選擇其中的新加坡系銀行，與其建立良好的往來及夥伴關係，成為其前往東協市場發展時有利的幫助。 亞洲金融風暴後，新加坡政府促進國內銀行合併，因此2001年後，新加坡的銀行就整併為星展銀行（DBS）、華僑銀行（OCBC）和大華銀行（UOB）三家本地銀行。星展銀行原為新加坡政府主要投資的銀行，華僑銀行及大華銀行則為華資銀行。後因銀行競爭加劇，新加坡政府大力支持國內銀行向外擴張。因此，在新加坡政府及金融管理機構支持新加坡本地銀行積極海外擴張發展之下，新加坡銀行也成為台灣本地銀行前進東協國家之學習對象。 台灣三家新加坡系銀行之母公司均為亞洲最安全的銀行，在歷年財務績效表現、金融科技的投資創新及企業永續發展均為亞洲金融業之翹楚。因此，本研究從歷年財務數據、金融科技之投資發展現況及企業社會責任來檢視新加坡三大銀行集團及其在台分行之綜合表現，以期提供台商前往東協市場尋找金融夥伴之參考。As the world situation changes, the U.S.-China trade war and investment costs in China have made Taiwan companies shift their production capacity back to Taiwan or third places. Some Taiwan companies have also taken advantage of this situation to diversify their international market, expand the operation territory to turn crisis into opportunity. As Taiwan is highly dependent on the external demand market, Taiwan companies must divert their supply chains and relocate their production lines to the US or to relatively competitive regions such as ASEAN or India. Singapore-based banks are financial partners that Taiwan companies could make use of in the ASEAN market. With government ’s new southward policy, the domestic banking industry is actively expanding into the ASEAN but the customs of ASEAN countries are quite different. Therefore, to find an appropriate bank there is important. The three major banks in Singapore all have branches in Taiwan and mainly provide corporate financial services. Taiwanese businessmen can choose one of the Singapore-based banks to establish good contacts and partnerships with them, which will be a great help when they develop in the ASEAN market. After the Asian financial turmoil, the Singapore government promoted the consolidation of domestic banks. After 2001, Singapore's banks were consolidated into three local banks, DBS, OCBC, and UOB. DBS Bank was originally a major investment bank of the Singapore government, while OCBC Bank and UOB were Chinese banks. Later, due to banking competition, the Singapore government strongly supported the expansion of domestic banks. Therefore, with the support of the Singaporean government and financial management institutions for the active expansion of overseas banks, the Bank of Singapore has also become a learning target for Taiwanese banks in the ASEAN countries. The parent companies of the three Singapore-based banks in Taiwan are the safest banks in Asia and the leaders in the Asian financial industries on good financial performance, Fintech innovation, and corporate sustainable development. Therefore, this study reviews the comprehensive performance of the three major banking groups in Singapore and their branches in Taiwan from historical financial data, investment and development status of Fintech, and corporate social responsibility, with a view to providing a reference for Taiwanese businessmen to seek financial partners in the ASEAN market.