信用合作社經營理念座談會 ppt

Size: px

Start display at page:

Download "信用合作社經營理念座談會 ppt"

垣赖
9 years ago
Views:

6 (1)

7 (2)

8 (3)

9 (4)

10 (5) (fair trade)

11 Starbucks 30 )

12 Starbucks

13 Starbucks (Oxfam) ( )

14 Starbucks

15 $0.65 $26 =$25.35

16 $1.26 $5 =$3.74

17 $7.5 (NT$247)

18 $80 (NT$2,640)

19 Fair Trade 1998 Fair Trade Fair Trade

20 Fair Trade (Micro Credit System)

21 (6)

22 /08/

23 1800

24 19 (Friedrich Wilhelm Raiffeisen, ) ( )

25 (Credit Cooperatives) (Friedrich Wilhelm Raiffeisen, 1818~1888) 19

26 (common bond) (indefinite liability) (one member, one vote.) ( )

27 ( )

28 $ r $ R (Depositors) (Borrowers) ($) ($) (R r) $ (Shareholders)

29 ( ) ( ) ( ) ( ) ( )

30 ( ) ( ) ( ) ( ) ( )

32 NIM NIM (%)

33 NIM

34 1 ( (Hermann Schulze-Delitzsch ))

36 Grameen Bank It is a pioneer in microcredit, providing credit to the poor in rural Bangladesh. It has 2.4 million borrowers and 1,175 branches serving more than 60 percent of the villages in Bangladesh. 1976, 42, $27 Malaysia (1982), Philippines, Vietnam, and Indonesia. Bill Clinton and Arkansas Chicago, China, India, Latin America, and so on.

41 (financial exclusion) 90%

42 Grameen bank

43 Grameen bank

44 Group lending FI

46 18 = =

47 Credit as a Human Right Micro-credit is a very effective instrument to empower the poor, particularly poor women, in all cultures and economies of the world. It is cost-effective, sustainable and works in a business-like way.

49 2 ( (Hermann Schulze-Delitzsch ))

50 3 [ ] ( (Friedrich Wilhelm Raiffeisen, ))

51 4 [ ] ( ( ))

52 ( )

53 (Credit Rationing) 21% 15% Excess demand of capital

54 (adverse selection): (moral hazard)

55 FI

56 Credit Rationing

57 5C Character: ( ) Capacity: ( ) Capital: ( ) Collateral: Condition: ( )

58 5P People: ( ) Purpose: ( ) Payment: Protection: Perspective:

59 (credit scoring model) hard information soft information

60 Credit Union are based on the pillars of trust. (WOCCU)

61 (common bond) soft information Loan Delinquency Ratio 4.00% 3.50% 3.00% 2.50% 2.00% 1.50% 1.00% 0.50% CUs(60+) Banks(90+) Placing a greater emphasis on long-term customer relationships more human inputs 0.00% Year

62 ( )

63 ( )

64 ( )

65 (1/3) Savings CU CB spread Regular Savings 1.28% 0.79% CUs by 49 bp Interest Checking 0.76% 0.53% CUs by 23 bp Money Market 1.46% 0.85% CUs by 61 bp 1 Year CD 2.21% 1.69% CUs by 52 bp

66 (2/3) Loans CU CB spread Credit Card 12.45% 12.81% CUs by 36 bp 48 Mo New Car 5.7% 7.01% CUs by 131 bp 48 Mo Used Car 6.05% 7.74% CUs by 169 bp Home Mortgage 5.2 % 4.75 % CBs by 45 bp

67 (3/3) 12.00% 11.00% 10.00% CUs Banks Capital Equity Ratio 9.00% 8.00% 7.00% 6.00% 5.00% 4.00% 3.00% 2.00% Year A comparison on the capital equity ratio: CU vs. CB of U.S.

68 (1/6) vs. (1) (2) (3) (4)

69 (2/6) % 2.16% 2.38% 1.48%

70 (3/6) % CB 19.71%

71 (4/6) % CB 4.965%

72 (5/6) % CB 30.40%

73 (6/6) ROA CB ROA % 0.385%

76 5 ( ) [ ] ( (Friedrich Wilhelm Raiffeisen, ))

77 : (multiple-group) (single-group) ( )

78 (multiple-group) 1. 2.

79 6 [ ] [ ] [ ] [ ] ( ( ))

80 7 ( (Friedrich Wilhelm Raiffeisen, ))

83 In most industries, the arrival of a large, well-known competitor makes smaller business squirm, but not in the banking. Smaller banks have discovered that a merger of competitors often signals an opportunity to grow. New York Times (Nov 2, 2003)

84 An opportunity to go after disaffected customers WHY? Federal Reserve Bank of Atlanta (2005)

86 Relationship Lending

87 Relationship Deposits

88 How to go after disaffected customers? ( fee-free ATM network) 4. New York Times (Nov 2, 2003)

89 ( )

90 We are a global bank, but we compete on a local level. Because of the resources that we have, we have a breadth of products that community banks just can t support. New York Times (Nov 2, 2003)

94 Loan Loss Reserve Capital

95 (Loan Loss Provisioning) (Loan Loss Reserves) (charge off)

96 1. LLR / NPL LLR: Loan Loss Reserves NPL: Non-Performing Loan ( ) 2. ( ) ( ) NPL / Loan

97 Bank A Assets $100 Liability $88 Equity $12 Assets $92 Liability $88 Equity Bank B Assets $100 Liability $95 Assets $92 Liability $95 Equity $5 Equity

98 (capital adequacy ratio) Capital / Risk-adjusted Assets

99 In Japan, Citi enjoys much lower funding costs than stricken local institutions. The Economist (2002)

100 1995 (International Cooperative Alliance; ICA) (The Seven Principles of the Cooperatives)

101 (Voluntary and Open Membership)

102 (Democratic Member Control) ( )

103 (1) (2) ( )

104 (Member Economic Participation) ( )

105 (Autonomy and Independence)

106 (Education, Training and Information)

107 (Cooperation Among Cooperatives)

108 (Concern for Community)

109 1963 ICA 22

110

111

112

113 8 ( (Friedrich Wilhelm Raiffeisen, ))

114

115 Corporate Social Responsibility (CSR)

116 A Great Wall of Waste China is slowly starting to tackle its huge pollution problems. From The Economist print edition Aug 19th 2004

117 004/04/26

118 (Peter Senge)

119 (Peter Senge)

120 Business cannot succeed in a society that fails.

121

122 (shareholders) ( ) (stakeholders)

123 ( )

124

125

126

127

128 1. CSR CSR 2.

129 Greening the Banks (Equator Principles)

130 (p.19) [ ] (p.101) (p.102) ( )

131 !! Tel: (02)

01-article.doc

01-article.doc 59 1990 (top-down) (bottom-up) 1980 ( ) 1970 ( ) ( ) ( ) 1990 ( ) 1970 60 ( ) 1977 66% 1986 31%(Hoshi, ( ) Kashyap and Scharfstein, 1990) 84 8 ( ) (firewall) ( ) ( ) 1980 ( (Savings and Loans Association))