Abstract
The Financial Supervisory Commission ("FSC") aspires that the state-owned banks to target large-scale regional banks and target Asian regional markets that still have potential for growth。 Under this aspiration， domestic banking companies will expand overseas markets， mix their business focus， and solve problems arising from excessive competition in the domestic business environment。 Net Interest Margin compression of Taiwan’s banking industry as well as the over-banking of the operating environment caused by liberalization has affected the profitability of the domestic market。 According to statistics from the Central Bank and， FSC that the average net interest spread of the banking industry in Taiwan is only slightly higher than 1%。 The domestic market is relatively competitive and the bank assets are small。 The largest Taiwanese bank， for example， has a total assets of NTD4。19 trillion。 It has beyond 5% of the assets of ICBC。 The banking industry has actively looking Overseas opportunities and to find the way to mix product and/ or business transfer。 To promote the international competitiveness of Taiwan’s banking industry， the government encourages Bank “to go out of Taiwan and deploy Asia” In particular， the Association of Southeast Asian Nations (ASEAN)， which has a relatively low financial penetration rate， is a key target。 It is expected that a large regional bank would be cooked in the next three to five years。 This study is mainly addressed the strait bank industry is facing from three phases of overseas development of Taiwan's banking industry: 1) Undeveloped: Cooperate and implement government policies; 2) Development period: Financial freedom and internationalization policies; 3) Growth period: Follow-up enterprise internationalization; as well as Financial services of digitalization is initiated by Banking Bank 3。0 from financial entities， aiming at digitalization and activism of financial services， and it has come to Bank 4。0 FinTech to significantly impact the development direction and future of the financial industry。 In current global financial institutions' globalization， liberalization of the over-competitive banking environment， and the transformation of new cyber finance in the face of technological innovation， consumers need globalization， one-shop products and services。 The bank industry will lead the financial institutions to provide more rapid， convenient and convenient financial services under the innovative transformation。 This study first identifies opportunities and analyzes markets， and uses a series of decision-making analysis to find out the ultimate future direction。 The research proposals and strategies at the end of this study aims to provide direction for banking business strategy planning， identify long-term advantages in the competitive environment and the world of innovation; the future development accompanying with its actions and wau forward， depends on careful analysis of business environment。 Each bank shall assess their abilities and capabilities prior to identifying their positioning through strategic management procedures and integrate a set of optimal business strategies in order to respond to the ever-changing business environment。 Keywords: Long-term advantage after excessive competition， digitization of financial services， strategy， decision making analysis