Constructing Bank’s Knowledge Management： The Case of Bank Loan to High-Tech Start-Up Firms
Dr. Chih-Young Hung
|關鍵字:||高科技產業;銀行業;授信;知識管理;焦點群體;層級分析法;High-tech Industry;Banking;Loan;Knowledge Management;Focus Group;AHP|
The industry structure in Taiwan has changed dramatically in recent years. Many traditional industries are struggling to maintain their growths and even their sales. This industry structure change has forced the banks in Taiwan to re-exam the credibility of the traditional industries and sometimes also to reduce the loans to those industries. In order to keep their sustained growth after reducing the loans to their past major customers, many banks began to move their focus from the traditional industries to the Hi-tech industry and spend lots of efforts to attract new customers from that industry. The Hi-tech industry used to be seen as a high-risk loan market due to their industry characters: faster technology innovation, heavier weight of capital spending and longer time before the companies begin to make profits. Because of these characters, the banking industry believed that the Hi-tech industry was a high-risk loan market, and hence were reluctant to make loans to the Hi-tech industry. Although the banks are now eager to enter the Hi-tech market due to the intensive competition in the banking industry, the fact that Hi-tech is a high-risk loan market still exists. Many problems and issues need to be carefully discussed before the banking industry enters the Hi-tech loan market. This article uses the concept of “knowledge management” to discuss the concern stated above. The two major methods that applied in this article are “Focus Group” and “AHP”. I discuss some problems and issues that might emerge when Taiwan’s banking industry enters the High-tech industry loan market. These problems and issues include: the change on the way to evaluate the customers, the issue of organization redesign, the improvement on the way to sort and store the knowledge, and the employers’ attitudes toward sharing their knowledge to the colleagues. I hope the study of these problems and issues will give the banking industry in Taiwan some suggestions on how to raise the response speed on bad bank loans, and how to improve the quality of knowledge sharing both inside the organization and among organizations. By doing so, the banking industry can catch up the high-speed change in the demand in the High-tech industry, and hence achieve the banking industry’s main goals: first, to reduce the risk of bank loans, and, second, to give a better quality of finance services to the customers.
|Appears in Collections:||Thesis|