Page 11 - NO.161銀行家雜誌

日圓疲軟的主因，似乎是全國一百多家地區性銀行，占總貸款一半左右。它們長期以來一直被當成經濟停滯的罪魁禍首，但依然受到低廉的借款成本所
保護。（圖／達志影像）
供擴大業務與營業額的諮詢服務。只要看看 惠譽國際2021年指出，「在先進市場國
現實中的地方經濟，就知道這些企業並不知 家，銀行提供諮詢服務，是一種罕見的收入
道如何擴張，它們需要協助。」 多角化方法。」

some anti-competition rules for mergers between FSA Commissioner Endo Toshihide admonished,
banks in the same prefecture. The central bank “instead of sitting and waiting for companies to
also offered higher rates on reserves for regional ask for money, why not go to companies yourself
banks which improve their profitability or decide to offering advice and consultancy on how to find

consolidate. customers and grow your business? If you look
Merging can be an expensive proposition, at the reality of regional economies, the local
exacerbated by outdated IT systems. Thus, the businesses themselves are stumped over how to
government’s plans align with the larger objective expand. They need support.”

of digital transformation, which has often lagged F i t ch R a t in gs no t e d in 2 0 2 1 t ha t
due to aging clienteles. “diversification into these consulting-type services
The government further relaxed certain is a rare form of fee income diversification among
restrictions on business scope, allowing banks developed-market banks.”
to play a more active role in rural revitalization. It

allowed banks to take full ownership of unlisted Impact limited to stock price
local companies in areas with few alternative
investors, up from 50%. It also encouraged banks Despite this green shoot, however, the overall
to broaden their service offerings into consulting. financial situation has been difficult. As domestic

台灣銀行家2023.5月號 11

1 5% JOEE