台湾银行
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信用卡 特色服务: 长期活动:
台湾银行1985年因银行法修正而取得法人资格,且已于2003年7月1日依据公司法及银行法之规定改制为「台湾银行股份有限公司」(资本额为新台币四百八十亿元)。
面对竞争及因应即将的民营化,老字号台银正用创新手法与网路科技意图振作。一方面,台银内部毅然决然关掉数个营运不佳的海内外据点并实施部分人员精简。一方面台银也借助网路科技,在转帐与即时刷卡销帐等方面取得同业间领先地位。
台银在中华民国境内共有147间分行。国外则有包含纽约、洛杉矶、伦敦、新加坡、东京、香港、南非、共7家分行。现任董事长为许德南;总经理为李胜彦。至于信用评等方面,穆迪投资人服务公司(Moody's Investors Service)于1994年10月发布的台银评等等级为长期A1,短期P-1,展望负向。而另一家标准普尔公司(Standard & Poor's)则于2005年3月将台银评为等级长期A+,短期A-1﹔展望稳定。
The Bank of Taiwan (BOT) was established on May 20, 1946 as the first government-owned bank following the island's restoration to the Republic of China in 1945. During much of its operating history, it has been under the administration of the Taiwan Provincial Government. Following the phase out of the Taiwan Provincial Government on Dec. 21, 1998, the Bank was subsequently taken over by the central government of the Republic of China and placed under the administration of the Ministry of Finance, in accordance with the regulations on government-owned financial institutions. BOT has been judicial person under Banking Law since 1985. Effective July 1, 2003, BOT became a corporate organization under Company Law.In accordance with the regulations upon financial holding corporations, on January 1, 2008, Taiwan Financial Holdings was established on the basis of the share transfer .Meanwhile the Bank has become a subsidiary of Taiwan Financial Holdings. On January 2, 2008 the Bank split its Department of Securities and Department of Life Insurance to organize the other two subsidiaries of Taiwan Financial Holdings, BankTaiwan Securities Co., Ltd. and BankTaiwan Life Insurance Co., Ltd. The current amount of capital of the Bank is forty-five billions of New Taiwanese Dollars.
During its formative years, the BOT managed the business of the national treasury, issued currency in the Taiwan area, and carried out many of the functions of a central bank. In the early years following the central government's move to Taiwan in 1949, it acted as agent in carrying out most of the functions of the Central Bank of China (CBC), thus giving it a dual character; that of a central bank, as well as a general commercial bank. Following restoration of the CBC in Taiwan in July 1961, however, the BOT switched its primary emphasis to general banking. After the passage of the Local Autonomy Law in July 1994, provincial, county, and city governments were given the right to choose the banks in which to deposit their funds. Faced with competition from other banks, the BOT has been able to rely on its outstanding image and efficiency, which it built up through decades of effort. It has steadfastly adhered to sound operating principles. It is also responsible for the operation of businesses related to the issuance of New Taiwan Dollar currency, the handling of deposits of military and civil servants' retirement funds at preferential interest rates. All of these activities reflect the vital position that the BOT continues to hold within the banking system of Taiwan.
Throughout the history of Taiwan's economic development, from post-war reconstruction, currency reform, and the implementation of successive economic construction plans to the more recent promotion of key and strategic industry development, the Asia-Pacific Regional Operations Center plan, and B.O.T. (build-operate-transfer) public construction projects, the Bank has at all times offered its opinions for reference in policy-making and has done its utmost to supply funds needed to support the implementation of government policies. It can truly be said that the BOT has made many contributions to economic development in the Taiwan area.