■本报记者 刘慧

S LiuHui our reporter

　　近日，在西南财经大学ＥＭＢＡ教育中心的座谈会上，中国经济时报记者就台湾金融业发展、高教合作等话题专访了台湾淡江大学副校长林志鸿。作为西南财经大学长年的客座教授，他时常来成都为ＥＭＢＡ的学生授课，曾获美国克拉克大学经济学硕士、博士和俄亥俄大学商业经济学硕士，同时也是台湾未来学学会理事长。

recently,In the southwest university of finance and economics EMBA education center forum,China economic times reporter is Taiwan financial industry development/Higher education cooperation etc. Topic interviews with Taiwan tamkang university LinZhiHong vice President.Southwest university of finance and economics as the visiting professor of years,He often come to chengdu for EMBA students teaching,Once won the United States clark university master of economics/Doctor and Ohio university master of business economics,At the same time also is the Taiwan society of learning.

金融改革促使台湾机构发展增长约９％ Financial reform to promote Taiwan agency development growth of about 9%

　　中国经济时报：您长年研究银行业发展和定价问题，能否介绍下台湾目前的银行业发展现状？对金融机构的变革有何建议？

China economic times:You years research banking development and pricing problem,Can be introduced the current situation of the development of banking industry in Taiwan?To the financial organ change any suggestion?

　　林志鸿：台湾地区于１９８０年之前对于金融机构的管制属相对严格，直至１９８０年以后才逐渐放宽法令制度，并于２００２年至２００８年进行两次金融改革：第一次金融改革主要为提升资本适足率以及降低逾放比；第二次金融改革则是以鼓励金融机构进行合并为主。

LinZhiHong:Taiwan in 1980 for financial institutions before the control is relatively strict,Until 1980 years later gradually relaxed law system,And in 2002 to 2008 in two financial reform:The first financial reform is mainly to enhance capital adequacy rate and reduce the overdue ratio;The second financial reform is to encourage financial institutions to merge is given priority to.

　　截至２００２年，台湾境内银行有３１２１家?穴含总行与分行?雪，外商银行有１０４家?穴含总行与分行?雪。但截至２０１１年，台湾境内银行约为３３９８家?穴含总行与分行?雪，而外商银行约为１２０家?穴含总行与分行?雪。由此可见，金融改革之后台湾金融机构的发展增长约为９％左右。

By the end of 2002,Taiwan domestic Banks have 3121?Hole with head office and branch?snow,Foreign Banks have 104?Hole with head office and branch?snow.But by the end of 2011,Taiwan bank within the territory of about 3398?Hole with head office and branch?snow,And foreign bank is about 120?Hole with head office and branch?snow.Thus it can be seen,Financial reform after the development of Taiwan's financial institutions are about 9% growth.

　　现阶段，由于台湾地区本身市场小、金融机构数量多，但规模不大且同构型过高，从需求面来看，资金需求弱，且市场资金过多。又因台湾地区官股银行比例过高，导致成长较缓慢。因此，台湾对于金融机构之变革可先从法令制度的松绑开始，突破现在的僵局，才能让台湾更具有竞争力。

At present,Because Taiwan itself market small/The number of financial institutions,But the scale is not big and with high configuration,From the demand side to see,Fund demand weak,And the market too much money.And because GuanGu bank in Taiwan high proportion,Lead to grow more slowly.so,Taiwan financial institutions for the transformation from the law system of the first began to relax,Break the deadlock now,To make Taiwan more competitive.

高校培育人才应具有国际观 Universities cultivate talents should have international view

　　中国经济时报：作为一所私立大学，淡江大学在台湾地区的综合排名上升至第四位。请问在高教办学方面，台湾对于公立和私立大学的政策有何差异？在企业国际化进程中，如何使高校培养的人才更具有竞争力优势？

China economic times:As a private university,Tamkang university in Taiwan region comprehensive ranking rose to the fourth.Excuse me, in the aspects of higher education,Taiwan for public and private university policy differ?In the process of enterprises' internationalization,How to make the talent more competitive advantage?

　　林志鸿：截至２０１１年，台湾地区公立大专院校有５３所，私立大专院校有１０９所。台湾对于公立和私立学校的政策主要差异为资源分配不均，公立大专院校财源以政府补助为主，而私立大专院校财源则是以学杂费为主。除此之外，台湾的私立大专院校亦面临社会观感和师资难聘等问题，且又因少子化，私立大专院校会比公立大专院校提早面临招生不足的问题。

LinZhiHong:By the end of 2011,Taiwan public colleges and universities that have 53,Private colleges and universities there are 109.Taiwan for public and private school policy main differences as uneven distribution of resources,Public colleges and universities government subsidies money is given priority to,While private colleges and universities revenue is mainly tuition and fees.In addition,Taiwan's private colleges and universities is also facing the social perception and teachers' employment difficult problems,And also because of the country,Private colleges and universities will be more than public colleges and universities face the problem of shortage of early admissions.

　　然而，淡江大学始终秉持国际化、信息化以及未来化为目标，且以培育心灵卓越的人才为使命。除了致力于让学生具备基本知识技能外，更要求学生具备其他的优势。譬如，社团经验、语言能力、金融仿真竞赛、社会服务等，透过学校宛如小型化的社会，让学生具备应有的生存、应变能力，这样更能面对外界不同的挑战。淡江大学亦提供给学生许多资源，如企业到校园征聘人才、提供基本计算机软件使用、毕业生之生涯规划等等，让学生有更多渠道了解自己想要什么，并充实自己的工作能力以及加强不足之处。

however,Tamkang university have always uphold the internationalization/Information and future into a goal,And to foster the spirit of excellence talents for the mission.In addition to let the students have the basic knowledge of the skills,More students are required to have other advantages.Such as,Community experience/Language ability/Financial simulation competition/Social services,Through school like a mini society,Let the students have the right survival/Strain capacity,It is to face different challenges outside.Tamkang university also offer students a lot of resources,Such as enterprise to campus for talents/Provide basic computer software/Graduates of the career planning and so on,Let students have more multi-channel know what you want,And enrich their own work ability and strengthen the deficiencies.

　　高校培育人才应该注重质量，且有很多成功的因素存在，包括学校政策、师资来源等。如西南财经大学ＥＭＢＡ的教育，就一直妥善运用这些优势，整个课程的推动设计，不止是宏观的，同时更具有国际观。淡江大学会与西南财经大学今后进一步友好磋商，在教学科研、师资培养和学术交流方面展开更深入的合作。　　

The training should focus on quality,And there are many factors in the success of the existence,Including school policies/The sources of teachers, etc.As the southwest university of finance and economics of the EMBA education,Has been properly use the advantage,The whole course to promote design,More than a macro,At the same time with international view more.Tamkang university with the southwest university of finance and economics further friendly consultations,In teaching and scientific research/Teacher training and academic communication aspects further cooperation.