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研究生： 林約翰
Dicky Irawan
論文名稱： 應對國家風險：印尼與台灣銀行策略之比較研究
Navigating Country Risk: A Comparative Study of Banking Strategies in Indonesia and Taiwan
指導教授： 吳文傑
Jack Wu
口試委員: 彭喜樞
Shi-Shu Peng
鄭輝培
Terry Cheng
學位類別： 碩士
Master
系所名稱： 商學院 - 國際經營管理英語碩士學位學程(IMBA)
International MBA Program College of Commerce(IMBA)
論文出版年： 2025
畢業學年度： 113
語文別： 英文
論文頁數： 56
中文關鍵詞： 國家風險 、銀行策略 、金融機構 、印尼 、台灣
外文關鍵詞： Country Risk, Banking Strategies, Financial Institutions, Indonesia, Taiwan
相關次數： 點閱：193  下載：11 
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    • 國家風險是影響銀行策略的決定性因素，尤其對於跨境營運的銀行而言。本研究比較了台灣和印尼這兩個經濟狀況和監管環境截然不同的國家的銀行如何應對主權風險和金融機構風險。本研究採用比較案例研究的方法，分析了兩個市場的六家主要商業銀行，以了解國家風險如何影響貸款、風險管理和產品創新等領域的策略決策。基於二手數據，研究結果表明，台灣銀行傾向於優先考慮穩定性、ESG合規性和漸進式擴張，而印尼銀行則採用更具適應性、包容性和數位化重點的策略來管理系統性波動。本研究為進軍印尼的台灣銀行提供了實務指導，並有助於更廣泛地探討新興市場的銀行策略。

    Country risk is a defining factor in shaping banking strategies, especially for institutions operating across borders. This study compares how banks in Taiwan and Indonesia—two countries with distinct economic profiles and regulatory environments—navigate sovereign and financial institutional risks. Using a comparative case study approach, it analyzes six major commercial banks from both markets to understand how country risk influences strategic decision-making in areas such as lending, risk governance, and product innovation. Drawing on secondary data, the findings reveal that Taiwanese banks tend to prioritize stability, ESG compliance, and gradual expansion, while Indonesian banks adopt more adaptive, inclusive, and digitally focused strategies to manage systemic volatility. This research offers practical guidance for Taiwanese banks expanding into Indonesia and contributes to the broader discourse on banking strategy in emerging markets.

    Chapter 1: Introduction 1
    1.1. Background 1
    1.2. Indonesia: Country and Banking Sector Overview 2
    1.2.1. Overview of Sovereign Credit Ratings and Economic Indicators 2
    1.2.2. Key Challenges and Opportunities Related to Country Risk 3
    1.2.3. Structure and Evolution of the Banking Industry 4
    1.2.4. Overview of Foreign Banks' Approaches to Expansion in Indonesia 5
    1.2.5. Entry Strategies of Foreign Banks in Indonesia 6
    1.2.6. Risk Management Practices Adopted by Foreign Banks in Indonesia 7
    1.3. Taiwan: Country and Banking Sector Overview 8
    1.3.1. Overview of Sovereign Credit Ratings and Economic Indicators 8
    1.3.2. Key Challenges and Opportunities Related to Country Risk 9
    1.3.3. Structure and Evolution of the Banking Industry 9
    1.3.4. Overview of Taiwanese Banks' Approaches to International Expansion 11
    1.3.5. Entry Strategies of Taiwanese Banks in Emerging Markets, Particularly Indonesia 11
    1.3.6. Risk Management Practices Adopted by Taiwanese Banks in Foreign Markets 12
    1.4. Research Objectives 13
    1.5. Scope of Study 13
    1.6. Significance of Study 14
    Chapter 2: Literature Review 16
    2.1. Understanding Country Risk 16
    2.1.1. Definition and Dimensions of Country Risk 16
    2.1.2. Components of Country Risk 16
    2.1.3. Summary of Indicators and Real-World Cases 17
    2.2. Theoretical and Analytical Frameworks 18
    2.2.1. Institutional Theory and Sovereign Risk Theory 18
    2.2.2. Role of Sovereign Credit Ratings 19
    2.2.3. Metrics and Methodologies for Measuring Country Risk 21
    2.3. Evolving Dimensions and Strategic Responses 21
    2.3.1. Emerging Risk Factors 21
    2.3.2. Strategic Banking Responses to Country Risk 22
    2.3.3. Case Studies of Risk Adaptation in Banking 23
    2.4. Political Economy, Sustainability, and Risk Mitigation 23
    2.4.1. Geopolitical Risks and Regional Dynamics 23
    2.4.2. ESG and Sustainable Finance in Risk Assessment 24
    2.4.3. Crisis Management and Mitigation Strategies in Banking 24
    2.5. Research Gap and Justification 25
    2.5.1. Gaps in Comparative Literature 25
    2.5.2. Lack of Research on Taiwanese Banks in Indonesia 25
    2.5.3. Contribution of This Study to Literature and Practice 25
    Chapter 3: Research Methodology 26
    3.1. Research Design and Approach 26
    3.2. Data Collection and Sources 26
    3.3. Comparative Case Study Framework 28
    3.4. Data Analysis: Thematic and Triangulation 28
    Chapter 4: Comparative Analysis 30
    4.1. Introduction to Comparative Framework 30
    4.2. Bank Profiles 31
    4.3. Comparative Dimensions 32
    4.3.1. Risk Perception and Governance 32
    4.3.2. Lending and Investment Strategies 32
    4.3.3. Product Innovation and Financial Inclusion 33
    4.3.4. Market Entry and Expansion Models 34
    4.3.5. Regulatory Adaptation 34
    4.3.6. Performance Outcomes 35
    4.4. Summary of Key Findings 36
    4.5. Linking Country Risk and Banking Strategy 37
    4.5.1. Country Risk as a Strategic Filter 37
    4.5.2. Theoretical Integration 38
    4.5.3. A Case of Strategic Divergence, Not Superiority 40
    4.5.4. Implications for Cross-Border Strategy 41
    Chapter 5: Strategic Recommendations 42
    5.1. Introduction 42
    5.2. Strategic Recommendations 42
    5.2.1. Risk Management Enhancement 42
    5.2.2. Market Positioning and Product Strategy 43
    5.2.3. Regulatory Engagement and Partnership 44
    5.2.4. Cultural and Consumer Adaptation 44
    5.2.5. ESG and Inclusive Growth Alignment 45
    5.3. Strategy Map for Market Entry 46
    5.4. Implementation Considerations 46
    5.5. Navigating the Policy and Regulatory Landscape 47
    5.6. Summary 48
    Chapter 6: Conclusion and Future Directions 49
    6.1. Conclusion 49
    6.2. Implications for Practice 50
    6.3. Limitations 50
    6.4. Future Research Directions 51
    6.5. Final Reflection 52
    Reference 53

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