我國金融服務業發展之回顧與展望

Retrospect and Prospect of Financial Industry Development in Taiwan

我國金融業發展在政府推動開放與改革下，逐步健全發展，惟近年金融服務業成長動能明顯縮小，顯示現行發展策略宜有突破性的變革。本文爰擬就近十年政府推動金融發展措施進行回顧，分析國內金融服務業發展現況，面臨之機會與挑戰等，並提出相關建議，包括：持續鼓勵金融業發展經營利基、建立金融法規改善與溝通平台、促使金融機構合併朝大型化發展、考量金控公司整體需求協助其發揮功能、兼顧金融監理與金融服務業衡平發展等，期待金融業能朝向「立足台灣、胸懷兩岸、放眼全球」之步調，持續成長。

As the government proceeds with liberalization and reform of the financial sector, Taiwan’s financial services industry is developing step by step along sound lines. However, the industry’s growth momentum has conspicuously diminished in recent years, demonstrating the need for a breakthrough revamping of current development strategies. This study reviews the state of Taiwan’s financial industry development in recent years, conducts a SWOT analysis of its current situation, and presents suggestions on government measures to enhance its future course of development. The suggested measures include: 1) continuing to encourage the development of niche profit-generating areas of business; 2) establishing a communication platform to help the improvement of financial regulation; 3) promoting consolidation among financial institutions; 4) helping financial holding companies develop their functions; and 5) pursuing the right balance between financial supervision and the balanced development of the financial industry. Such measures could enable the financial industry to maintain growth on the basis of “being firmly footed in Taiwan, embracing cross-strait financial markets, and casting its sights worldwide.”