全球肺炎疫情尚未平息，今年全球的經濟成長及產業環境面臨了比2008年金融海嘯更嚴重的衝擊，銀行業面臨政府進行紓困所形成的低利環境，後續營運亦受考驗，但危機所帶來的轉機，如數位支付、高資產客戶的回流等，銀行業應好好利用優勢，提升服務效率，尋找新商機。

   本研究的主要目的在探討後疫情時代臺灣銀行業的經營策略，並以個案銀行為例，分析探討其後疫情時代臺灣銀行業的經營策略並做出策略建議以為其他銀行之參考。研究分析結論如下：一、未來數位化金融科技技術提升與轉型；二、開發新客源與新產品提供客戶便利性及降低成本；三、提升人員素質與服務品質。

As the continuously spread of Covid-19 pandemic, the global economy and the business environment are facing a more severe situation than the financial crisis in 2008. The banking industry now are facing a low-profit environment which caused by the government’s bailout and the operation environment are still strict. However crisis also brings opportunities, such as rising of digital payments and the return of high-asset customers. The banking industry should make good use of its advantages, improve service efficiency, and look for new business opportunities.

The main purpose of this research is to explore the operating strategies of Taiwan's banking industry in the post-epidemic post-pandemic era. and tTake a the case bank as an example to analyze and explore the operating strategies of Taiwan's banking industry in the post-epidemic post-pandemic era and make strategic recommendations for reference by other banks. The conclusions of the research and analysis are as follows: 1. The upgr.

第一章 緒論 .............................................................. 1
第一節 研究背景與動機..................................................................................................... 1
第二節 研究目的................................................................................................................. 2
第三節 研究流程與架構..................................................................................................... 3
第四節 研究範圍與限制..................................................................................................... 5
第二章 後疫情臺灣銀行經營發展 ........................................... .6

第一節 後疫情時代全球政府救市策略相關分析 ............................................................ 6
第二節 後疫情時代對臺灣銀行業衝擊分析 ................................................................... 15
第三節 後疫情時代對臺灣銀行業策略分析 ................................................................... 17
第三章 文獻探討 ......................................................... 19
第一節 經營環境............................................................................................................... 19
第二節 經營策略理論及型態........................................................................................... 23
第三節 策略相關理論....................................................................................................... 33
第四章 研究個案簡介與分析 ............................................... 34
第一節 個案銀行背景介紹............................................................................................... 34
第二節 個案銀行經營現況............................................................................................... 41
第三節 個案銀行銀行業務............................................................................................... 43
第四節 臺灣銀行業經營策略分析................................................................................... 48
第五節 個案銀行經營策略分析....................................................................................... 52
第五章 結論與建議 ....................................................... 56
第一節 結論....................................................................................................................... 56
第二節 後續研究建議....................................................................................................... 58
參考文獻 ................................................................ 59

表目錄
表 2-1 亞洲各國政策………………………………………………………………12
表 2-2 美洲各國政策………………………………………………………………14
表 2-3 歐洲各國政策………………………………………………………………14
表 3-1 經營策略定義彙總…………………………………………………………25

表 3-2 經營策略類型分析…………………………………………………………27
表 4-1 F 銀行於後疫情低利率時代 SWOT 分析……………………………………50
表 4-2 五力分析表…………………………………………………………………55

圖目錄
圖 1-1 研究流程圖…………………………………………………………………4
圖 4-1 F 銀行組織圖………………………………………………………………35
圖 4-2 五力分析圖…………………………………………………………………52

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