人物專訪:Sheila Chuang 鍾愛藝術與音樂的銀行業先驅

第一印象,台北富邦銀行董事總經理兼首席銀行業務總監Sheila Chuang,散發著屬於這個身分地位的信心和風度。但是,在進行採訪過程中,Sheila毫不吝嗇地顯露出她的才華橫溢,興趣廣泛。

“請告訴我們您的早年生活”

Sheila在台灣台南市出生和成長,台灣台南市可能是台灣文化最豐富的城市。她的父母都是教育家,她的父親是小學班長,母親是小學老師。她有兩個哥哥和兩個姐姐。從小學時代起,Sheila就是一個領導者-相當的敢作敢言,通常擔任班長。她永遠不記得自己是一個害羞的女孩,總是外向且風度翩翩,為同學們組織活動,並經常贏得演講比賽。實際上,Sheila承認,她更喜歡在舞台上表演或進行演講;她喜歡音樂。上小學時,Sheila被選為校樂隊的學生主任。她的家鄉台南是一個小鎮,在那個年代被農場所包圍。幾乎所有村民都來自同一個Chuang家族,其起源可以追溯到300年前,直到他們的祖先跟隨來自中國福建的著名的鄭成功將軍之後,他們越過台灣海峽擊敗了台灣的荷蘭駐軍。Sheila記得自己成長時是個“自由”的鄉村姑娘,這使她得以發展體育才能。她是學校體操隊的成員。但是,她的父母早期培養她對藝術,音樂和文學的欣賞與熱愛,對她產生了影響。自最好的台南女子中學畢業後,她離開台南前往台北,就讀國立台灣大學,主修工商管理。

在NTU工作期間,Sheila除了學習商業以外,還被表演藝術所吸引,甚至認為她的職業可能會朝著這個方向發展。由於Sheila在新澤西有家庭,她決定在新澤西州新布倫瑞克(New Brunswick)的羅格斯大學(Rutgers University)攻讀MBA。在新澤西州最棒的地方之一就是它靠近紐約市,所以在她於學習空閒的時候,Sheila可以在那裡欣賞表演藝術,歌劇和看電影。Sheila從藝術中獲得的快樂,抵消了1987年至1989年這段時間在紐瓦克和紐約校園附近“不理想的環境”帶來的影響。Sheila尤其受到格林威治村和曼哈頓下城蘇活區發現的波希米亞藝術文化所吸引。所有這些經歷對她目前在台北的生活產生了重大影響。讓她在從事銀行業30餘年的同時,擔任了過去10年台灣最高表演藝術團體Godot Performing Group的運營顧問。
Sheila有兩個成年子女–一個兒子和一個女兒。

“您是如何開始從事銀行業的?”

在獲得MBA學位後,Sheila回到台灣開始了她的職業生涯。巴黎銀行於2000年與法國巴黎銀行合併,成立法國巴黎銀行。隨著她的關係,
“台灣銀行業的各種機會才剛起飛。在1990年至2000年的10年中,我很高興能夠參加各種新的銀行業務的先驅浪潮。對於一位初出茅廬的銀行家,能在台灣首次完成此類交易的機會實在“太棒了”。此外,銀行提供的金融服務可以支持我對音樂和藝術的熱愛。”
憑藉她在Paribas的經驗,在她為巴黎銀行進行的許多商務旅行中,她能夠學習並開始欣賞美酒,並在葡萄酒和食品搭配方面提高了品味。她於2000年在法國巴黎銀行(BNP Paribas)合併之前離開並加入台灣花旗銀行。

Sheila職涯的驚人之處在於,她從未真正打算成為一名銀行家,但她擁有一定的組織能力和藝術個性,這使她與同儕區分開來。她的主管注意到,她能夠以很高的標準“完成工作”並受到客戶喜愛的人!她的職業生涯一直以快速的方式“攀登晉升階梯”,幾乎沒有(如果有的話)失誤。
Sheila的下一個工作是在台灣的花旗銀行工作,負責在合併與收購和歐元可轉換債券中創建新的商人銀行業務。這是一個挑戰,因為商人銀行業務是台灣最早涉足國際銀行業務的業務之一。從這些經驗中,確定了Sheila在“投資銀行業務”發展中的方向和專業知識。她在花旗銀行工作了3年。
2003年,她與一大批前花旗銀行家一起搬到了辜家擁有的中國信託銀行,發展了投資銀行業務。Sheila回憶說,這是一項極具挑戰性但令人興奮的工作,同時還要滿足持續的加班要求。但是,這一群體的決心在台灣銀行業取得了開創性的歷史。繼中國信託之後,Sheila搬到了巴克萊資本(Barclays Capital),巴克萊銀行(Barclays)的台灣分公司。她擔任其投資銀行業務負責人已有7年之久。在2012年,Sheila繼續領導台灣渣打銀行的企業銀行業務,也連續7年。
2018年11月,Sheila應台北富邦銀行的邀請建立了一家新的私人銀行業務,名為“獨家銀行業務”。從那時起,她一直擔任常務董事兼高級行政銀行業務主管。她還負責台北富邦銀行的投資銀行業務。

“用外行的話來說,您對台灣銀行業的看法如何?”

Sheila提到,台灣銀行業與國際銀行業之間存在一些自我強加的衝突,這與一個規模相對較小但“過度銀行化”的市場緊密相連,同時還存在著敏感的政治環境。大家都承認,中國對香港“下了重手”為東亞地區的銀行創造了一些機會。理想情況下,台灣銀行希望成為東亞國際銀行業務的另一個區域中心,但是相反,台灣需要面對政治現實,必須緩慢開放以保持對新台幣和相關交易的控制權,同時又不致被湧入的中國內地資金所淹沒。
她指出,新加坡是對香港動盪作出最快反應並吸引國際資金的最快機構,否則這些資金本來可以在香港投資的。此外,中國已不再是90年代和2000年代初的廉價工業投資目的地。值得讚揚的是,台灣38個銀行的人均密度幾乎是最高的,所有這38家銀行都盈利且資本充足,這證明了台灣銀行在管理業務和控制風險方面已經足夠成熟。到目前為止,中國和COVID-19大流行尚未真正對台灣銀行業造成不利影響。除了追求利潤之外,台灣的銀行也越來越關注與ESG風險相關的問題(環境,社會與治理風險),這對台灣及其下一代至關重要。

“您對可能考慮將銀行作為其職業道路的年輕人有何建議?”

在我們深入探討這個問題之前,Sheila提到她在過去的4年中一直參與了NTU的學生指導計劃,在那裡她指導2名學生一個學期,因此她是合適的人選。她本人仍然活躍在許多校友活動俱樂部中,這些俱樂部為她的舊同學提供了娛樂,自我,發展和友愛的機會。她喜歡“為他人創造機會”。以下是她希望為年輕人提供的主要建議
1.了解自己–您的興趣是什麼?你擅長什麼?哪些學科帶給您學習更多的熱情?
2.勤奮地接受良好的教育和學習–正如他們所說,天生的天才很少,但是實際上“天才= 10%的好主意和90%的努力再努力” –即便如此,也無法保證成功!
3.認識並充分利用提供給您的機會。
4.激情使事情成真!
她認為,年輕人應該考慮銀行業的許多吸引人的方面。總是需要銀行家,因此有很多工作可用。有各種性格的銀行家;銀行是如此龐大的組織,只要您有一些才幹並願意努力工作,每個人都有足夠的空間。由於銀行是受嚴格監管的環境,因此銀行業務的任何新手都將有機會學習有用且可立即使用的東西,因為這是一個“動手”的環境。最後,在銀行業中最重要的是(1)嘗試最初可能不熟悉的事物的靈活性和意願,以及(2)真誠地希望提供優質的客戶服務–畢竟銀行業是一個服務業。

我們的採訪進行得很快,但我們很高興有機會與真正的台灣銀行業領導者Sheila Chuang女士聊天!

A Private Banking Pioneer with Diverse Interests in the Arts & Music – Sheila Chuang

Upon first impressions, Sheila Chuang, Managing Director & Chief Exclusive Banking Officer of the Taipei Fubon Bank, exudes the confidence and poise that you would expect from someone in such a responsible position. However, as we proceed into our interview, it becomes obvious that Sheila is quite talented with many diverse interests.

“Please tell us about your early life.”

Sheila was born and raised in Tainan, Taiwan, probably the most cultural city in Taiwan. Her parents were both educators – her father was a primary school principal, and her mother was a primary school teacher. She has two older brothers and two older sisters. From her early days in primary school, Sheila was a leader – quite outspoken, and usually the class leader. She can never remember being a shy girl, always outgoing, personable, organizing activities for schoolmates, and a frequent winner of speech contests. In fact, Sheila admits that she rather enjoys being on-stage performing or making presentations; she loves music. When she was in primary school, Sheila was selected as the Student Director of the School Band. Her home town of Tainan was a small, country town, surrounded by farms in those days. Nearly all of the villagers were from the same Chuang family, with its origins dating back some 300 years, to when their ancestors followed the famous General Koxinga from Fujian, China, who crossed the Taiwan Straits to defeat the Dutch garrisons in Taiwan. Sheila remembers growing-up as a “free” country girl, which allowed her to develop a talent for sports; she was part of the school gymnastics team. However, her parents influenced her by giving her an early appreciation and love for art, music and literature. After graduating from Tainan Girls’ High School at the top of her class, she left Tainan for Taipei to attend the National Taiwan University (NTU), majoring in business administration.
During her time at NTU, besides studying business, Sheila was further drawn to the performing arts, i.e., acting, and even thought that her career might take her in that direction. Since Sheila had family in New Jersey, she decided to study for her MBA at Rutgers University, in New Brunswick, New Jersey. One of the nicest aspects of being in New Jersey was its proximity to New York City, where Sheila could enjoy performing arts, operas and great movies, when she wasn’t busy with her studies. The joy that Sheila derived from the arts, offset the “less-than-ideal environments” near the campus area in Newark and New York in the period from 1987 to 1989. Sheila was particularly attracted to the artistic, Bohemian cultures found in the neighborhoods of Greenwich Village and the SoHo in lower Manhattan. All of these experiences have had a great impact on her current life in Taipei. While she has dedicated more than 30 years of her career to banking, Sheila has also been the Operational Adviser to the Godot Performing Group, Taiwan’s top performing arts group in Taiwan over the last 10 years.
Sheila has two young adult children – a son and a daughter.

“How did you start your career in banking?”

Upon achieving her MBA, Sheila came back to Taiwan to start her career. Paribas, which in 2000 merged with BNP to form BNP Paribas – the leading French bank – offered Sheila her first job in Taiwan. As she relates,
“Various opportunities in Taiwan banking were just taking-off. I was quite excited to participate in the pioneering wave of various new banking practices during the 10-year period from 1990 to 2000. The opportunity to achieve the first deals of their kind in Taiwan was just “too good” to pass up as a fledgling banker. In addition, the financial package offered by banking could support my love for music and the arts.”
It was from her experience with Paribas, that she was able to learn about and begin to appreciate fine wine, and refine her palate, with respect to wine and food pairings, during her many business trips to Paris for the Bank. She left Paribas in 2000 to join Citibank Taiwan just before the merger of BNP Paribas.
The amazing aspect of Sheila’s career is that she never really planned to be a banker, but found that she had certain organizational skill sets and artistic personality, which set her apart from her peers. Her supervisors could see that she was the person that could “get the job” done to a very high standard and loved by her clients! Her career moves have always been “up the corporate ladder”, in a rapid fashion, with few (if any) missteps.
Sheila’s next employment was with Citibank, Taiwan, where she was responsible for creating new merchant banking business in Mergers & Acquisitions and Euro Convertible Bonds. This was a challenge as merchant banking was one of Taiwan’s first ventures into international banking. From these experiences, Sheila’s direction and expertise in the development of “investment banking” was set. She spent 3 years with Citibank.
In 2003, together with a large group of ex-Citi bankers, she moved to the Koo Family owned Chinatrust Bank to develop investment banking franchise. Sheila recalls that this was extremely challenging but exciting work, as with consistent overtime requirements. However, the determination of this group achieved groundbreaking history in the Taiwan Banking industry. Following Chinatrust, Sheila moved to Barclays Capital, when the Barclays launched their Taiwan Branch. She was the head their investment banking for 7 years. In 2012, Sheila went on to lead Standard Chartered Bank Taiwan’s corporate banking business, also for 7 years.
In November 2018, Sheila was invited by Taipei Fubon Bank to build a new private banking business, under the title “Exclusive Banking”. She has been the Managing Director and Executive Exclusive Banking Officer since then. She is also in charge of the investment banking business for Taipei Fubon Bank

“In layman’s terms, what is your outlook of the Taiwan Banking Industry?”

Sheila mentions that Taiwan banking, with respect to international banking, has a bit of a self-imposed conflict, that is tied into a comparatively small but “over-banked” market, together with a delicate and sensitive political environment. Everyone acknowledges that the “heavy hand” of the PRC in Hong Kong has created some opportunities for banks in the East Asia region. Ideally, Taiwan banks would like to be another regional hub for international banking in East Asia, but conversely, Taiwan needs to face political realities, and must open slowly in order to maintain control of the NT dollar and related transactions, while not being overwhelmed with incoming Mainland Chinese funds. She states that Singapore has been the fastest to react to the instability of Hong Kong, and attract International funds, that would have otherwise been invested in Hong Kong. Additionally, the PRC is no longer the inexpensive destination for industrial investments that it once was in the ‘90s and early 2000s. To Taiwan’s credit, with nearly the highest density of banking per population, all 38 Taiwan banks are profitable and capital adequate, which is a testament to the fact that Taiwan banks are mature enough in managing their business and controlling risks. The PRC and the COVID-19 pandemic haven’t really had an adverse impact on Taiwan banking so far. In addition to pursuing profits, banks in Taiwan are also increasingly focused on ESG Risk-related issues (Environmental, Social & Governance risks), which is very positive for Taiwan and its next generations.

“What is your advice to Young People who may be considering Banking as their career path?”

Before we delve into that question, Sheila advises that she has been part of a Student Mentoring Program at NTU for the last 4 years, where she mentors 2 students for a semester, so she is the appropriate person to ask. She herself is still active in many alumni activity clubs, which provides opportunities for recreation, self, development and camaraderie amongst her old schoolmates. She enjoys “creating opportunities for others.” The following are the key ideas that she wishes to advise young people:
1. Understand yourself – What are your interests? What do you excel at? What subjects give you the passion for learning more?
2. Get a good education and study diligently – As they say, there are few natural-born geniuses, but in actuality “Genius = 10% of Good Ideas and 90% of Hard Work and Effort” – and even then, there is no guarantee!
3. Recognize and make the best use of Opportunities presented to you.
4. Passion makes thing happen!
She feels that there are many attractive aspects of Banking that a young person should consider. There will always be a need for bankers, so there are many jobs available. There are bankers of every personality and character type; the banks are such large organizations, that there is room for everyone, as long as you have some talent and are willing to work hard. Since banks are highly regulated environments, any novice in the banking business will have opportunities to learn things that will be useful and employed immediately, as this is a “hands-on” environment. Finally, of the greatest important in the banking industry are (1) the flexibility and a willingness to attempt things that you may initially be unfamiliar with, and (2) a sincere desire to provide good customer service – after all banking is a service industry.

Our interview has flown by quickly, but we are so pleased to have an opportunity to chat with Ms. Sheila Chuang, truly a leader in Taiwan banking!