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服貿協議對金融業是大利多?
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服貿協議爭議不斷,但幾乎最沒有爭議的就是金融業,大家都一致認為服貿協議通過對於金融業是大利多,連反服貿者也很少有人反對這一點,但真是如此嗎?
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More than Just Lines on a Map: Best Practices for U.S Bike Routes This session highlights best practices and lessons learned for U.S. Bike Route System designation, as well as how and why these routes should be integrated into bicycle planning at the local and regional level. Presenters: Presenter: Kevin Luecke Toole Design Group Co-Presenter: Virginia Sullivan Adventure Cycling Association
More than Just Lines on a Map: Best Practices for U.S Bike Routes
More than Just Lines on a Map: Best Practices for U.S Bike Routes
Project for Public Spaces & National Center for Biking and Walking
Has your project been caught in a storm of deadlines, clashing requirements, and the need to change course halfway through? If yes, then check out how the administration team navigated through all of this, relocating 160 people from 3 countries and opening 2 offices during the most turbulent time in the last 20 years. Belka Games’ Chief Administrative Officer, Katerina Rudko, will share universal approaches and life hacks that can help your project survive unstable periods when there seem to be too many tasks and a lack of time and people.
Ride the Storm: Navigating Through Unstable Periods / Katerina Rudko (Belka G...
Ride the Storm: Navigating Through Unstable Periods / Katerina Rudko (Belka G...
DevGAMM Conference
This presentation was designed to provide strategic recommendations for a brand in decline. The deck also incorporates a situational assessment, including a brand identity, positioning, architecture, and portfolio strategy for the Brand. Presentation originally created for NYU Stern's Brand Strategy course. Design by Erica Santiago & Chris Alexander.
Barbie - Brand Strategy Presentation
Barbie - Brand Strategy Presentation
Erica Santiago
According to the latest State of the American Manager report from Gallup, employees who have regular meetings with their managers are almost three times as likely to be engaged as those who don’t. These regular check-ins keep managers and employees in sync and aligned. Want to see better manager/employee relationships in your organisation? Then make an all-in commitment to 1:1 meetings. Not sure how? You’ve come to the right place. In this webinar with Jamie Resker, Founder and Practice Leader for Employee Performance Solutions (EPS), and Teala Wilson, Talent Management Consultant at Saba Software, you’ll get the inside track on how to hold effective 1:1 meetings, including tips for getting managers on board. • Go beyond discussing the status of everyday work to higher level topics, including recognition, performance, development, and career aspirations • Learn how to decide meeting frequency, what to cover, as well as roles and responsibilities of the manager and employee • Understand how managers can build trust and make it comfortable for employees to provide upward feedback • Unite your organisation with a unified approach to 1:1 meetings Join us for this 1-hour webinar to get practical tips for building better manager-employee relationships with intention and purpose. About the Speakers Jamie Resker - Founder and Practice Leader for Employee Performance Solutions (EPS) Jamie Resker, Practice Leader and Founder of Employee Performance Solutions, is a recognized innovator in performance management. She is the originator of the-the Performance Continuum Feedback Method® and Conversations to Optimize Employee Performance training program; tools and training that reshape communications between managers and employees to drive and align performance. Jamie is on the faculty for the Northeast Human Resources Association, is a contributor to Halogen Software's Talent Space Blog, and is an editorial advisory board member for HR Examiner. Teala Wilson - Senior Consultant, Strategic Services, Saba Software Teala is a Talent Management Consultant at Halogen Software, now a part of Saba Software. She has worked with teams on a national and global level supporting human resources in areas such as performance management, recruitment, employee benefit programs, training and talent development, workforce planning and internal communications. Teala also has a personal passion for visual arts and design. Want to learn more? Join us for an upcoming Product Tour! http://bit.ly/2yitfqu
Good Stuff Happens in 1:1 Meetings: Why you need them and how to do them well
Good Stuff Happens in 1:1 Meetings: Why you need them and how to do them well
Saba Software
En vedette
(20)
Content Methodology: A Best Practices Report (Webinar)
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ChatGPT webinar slides
ChatGPT webinar slides
More than Just Lines on a Map: Best Practices for U.S Bike Routes
More than Just Lines on a Map: Best Practices for U.S Bike Routes
Ride the Storm: Navigating Through Unstable Periods / Katerina Rudko (Belka G...
Ride the Storm: Navigating Through Unstable Periods / Katerina Rudko (Belka G...
Barbie - Brand Strategy Presentation
Barbie - Brand Strategy Presentation
Good Stuff Happens in 1:1 Meetings: Why you need them and how to do them well
Good Stuff Happens in 1:1 Meetings: Why you need them and how to do them well
服貿協議對金融業是大利多?
1.
1 天啊!我竟然看不 出來服貿協議過了, 金融業有大利多?
2.
2 政府說:
3.
3 於是我很興奮的拿出協議內容來看…
4.
4 台灣的銀行可以在大陸設立村鎮銀行… •但根據了解,大陸的村鎮銀行設立都必須是在偏遠的 鄉村地區,設立地點有很嚴格的規範,當初就是因為連 大陸自己的銀行都不願意到這些地區去設立據點,無法 帶動當地的發展,因此中國政府才會開放銀行去設立村 鎮銀行,但外資銀行普遍都是興趣缺缺,所以台灣的銀 行會想去嗎? 原來這就是大 利多?......
5.
5 服貿協議大陸對台資銀行只有承諾開放福建 省… •我們知道,台資銀行在大陸最大的商機在廣大的台商 ,但是台商在中國的哪裡呢?
6.
6 台商集中在珠三角與長三角,福建省的台商 人數相對少很多…
7.
7 所以,沒有台資銀行願意到福建省…
8.
8 政府可能會說:福建省整體來說雖然台商不算多,但有 少數地方像是廈門市,台商人數還是不少的,銀行也可 以去那裏做生意啊! 實情是:沒錯,福建省中台商人數最多的就是廈門市, 但問題是廈門市的台商客戶,都已經被富邦銀行所參股 並協助建立的廈門銀行台商服務部門全部都接觸過了, 能放款做生意的對象都已經放款了,如果連廈門銀行都 沒有放款的對象,請問其他台資銀行去了會敢放款嗎?
9.
9 那為何大陸只有開放福建省? •政府會說: 這就 是大 利多
10.
10 其實,只要將我們的服貿協議中的福建省改 為廣東省,就是香港與中國簽的CEPA
11.
11 當年,香港人就是這麼被告知的,條件 比WTO會員國更好…
12.
12 但這裡面有另一層的含意… •只要我們願意在政治上妥協(例如跟香港一樣),中國 願意在一個省分裡面給予我們比其他WTO會員國更好的 條件 •如果我們不願意在政治上妥協,這個協議也可以被視 為,台灣只有被開放一個省份---福建省,那麼這個條 件其實是比其他WTO會員國更差的,因為沒有其他會員 國是用省在談開放市場的! •這裡面中國政府可以有很大的操作空間 •中國過去只有跟地方政府(香港)而不是其他WTO的會員 國談判才會是這種條件
13.
13 所以未來我們可以合理的想像… •現在已經在中國的台資銀行,將來如 果想要設立同省(跨省是不可能)的異 地支行時,中國政府就會說:去福建 省吧!那裏給你們很好的條件 •將來台灣政府如果希望跟中國政府繼 續協商開放更多的省份,中國政府就 會說:你們願意拿什麼條件來交換?
14.
14 彭總裁也說… 只有取沒有給,誰跟你玩!
15.
15 所以,台資銀行,去吧!別只想著賺錢,別在乎 那裏有多少的台商,趕快去中國的農村開設村鎮 銀行吧!趕快去協助中國大力發展福建省吧!
16.
16 福建省與廣東省的經濟總量相差三倍之多… •福建省的台商很少 •福建省的經濟總量很小 •台灣談到的條件比香港更差 所以這就是大利 多?......
17.
17 但台灣這次幾乎是已經完全開放了,對中國的開 放一次到位,未來還有什麼籌碼呢?
18.
18 銀行業找不到大利多,那保險業呢? •目前台灣已經好幾家人壽保險公司(如國泰,新光,台灣 人壽等)依照WTO會員國的標準進軍中國,條件就是50% 外資:50%中資,台灣業者期盼的就是股權限制能夠更加 的放寬 •因為我們知道,這個股權的限制正是造成了現在中(國 )外合資保險很難經營的主因(否則最早在中國經營的國 泰人壽早就發了),因為股權比率一樣多,表示一家公 司有兩個老闆,很難運作,所有在中國的中外合資的保 險公司都面臨這個困境,甚至有些已經選擇撤出中國市 場(如中國的光大永明人壽與恆安標準人壽等)
19.
19 那服貿協議帶給保險業的大利多是…
20.
20 對保險業的大利多,答案是… •對已經在中國的人壽保險公司來說,完全沒有觸及任 何業者最希望改變的股權結構限制,所以沒有利多可言 •服貿協議中國只開放車險市場,最大的利多是已經在 廈門設立據點的富邦產險 所以對富邦集團 來說,這是大利 多......
21.
21 如果保險業只有小小利多,那麼證券期貨業呢? 我們先來了解一下背景因素 •證券資本市場的運作方式是改革開 放之後才有的新鮮產物,因此對中 國來說還是屬於正在摸索的領域, 因此中國對外資開放證券資本市場 是相當保守的。 •中國的金融行業對外資的開放,簡 單說是銀行業最為開放,其次是保 險業,最後是證券期貨業。
22.
22 中資證券業者對於進軍台灣興趣缺缺,原因是: •台灣的證券市場本身已經過於競爭, 近年來成交量又小,利潤又微薄,對於 證券業務經驗低於台灣的中資業者來說 ,沒道理跑到台灣市場來。 •中國自己的證券市場近年來蓬勃發展 ,成交量的規模不斷攀升,市場機會遠 大於台灣市場。
23.
23 台灣的證券期貨業者是金融業最悶的一群 •談判是要對雙方都有利的,既然中資證券業者並不積極 想進入台灣市場,當然也不會願意中國政府對台資業者有 更大的開放,因此過去在台灣與中國的談判中,中國對於 證券期貨業者仍然是不願意有更多讓步,所以,證券期貨 業是金融業最悶的一群
24.
24 那中國 這次開 放了什 麼?
25.
25 證券期貨業者的大利多? •從保險業的經驗我們知道,如果股權沒有辦法超過50%, 其實都不是真正的利多,那只會增加經營上的困擾與紛爭 •這次服貿協議裡面唯一的”大利多”就是第四點提到的 ,中國讓台灣業者能夠在上海、深圳與福建各開一家的合 資全牌照證券公司,台灣的持股比率最高能夠是51%!(但 別忘了,中資也有49%) 所以這就是大 利多?......
26.
26 有外資金融機構的高階主管曾說… 大陸金融市場看似 一桌豐盛的滿漢全席 但能夠真正坐在上面吃的是 大陸自己的金融機構,外面 來的就只能喝他們剩下的湯 (連骨頭都沒有)
27.
27 分析結論 •銀行業是微小利多,保險業是小小利多,證券期貨業是小 利多 •簽了協議,台灣金融市場自此門戶大開,未來也沒有太多 的談判籌碼 •實在是看不出來金融業的”大”利多在哪裡?
28.
28 但是我們的馬政府堅定的說… 服貿協議對台灣是很有利的
29.
29 現在我緊張了,一定是我錯了…因為 •英明睿智的馬政府與這麼多的博士官員,怎麼可能會 騙人民呢? •如果連政府宣稱最大的利多是金融業,但這麼明顯的 大利多,我都看不出來,那其他行業我就更看不出來了 ,我真的是太笨了 •馬政府,請原諒我,一定是愚笨的我搞錯了!因為, 您們是一定不會錯的! I am so
sorry!
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