銀行併購風潮對台灣金融市場之影響

The Bank Merger Trend and Its Impact on Taiwan’s Financial Market

本文從目前銀行併購風潮，探討銀行併購背景、發展趨勢及其對台灣金融市場的影響，並就現階段我國可能面臨的問題，提出政府可行因應之道。整體而言，台灣的銀行併購仍追隨國際發展趨勢，銀行併購風潮不僅促使金融市場與其就業市場結構進行大調整，亦可能出現大型化與小而專業化的兩極化現象；以及文化的衝突或調和難以避免等。由於國內金融機構大型化或專業化已經迫在眉睫，金融機構整併時機稍縱即逝；我國當前金融環境雖然具有「價廉」的相對優勢，但「物美」仍有很大的改進空間。建議公股管理機關－－財政部、金融主管機關－－金管會，以及勞工主管機關－－勞委會等，須儘快排除併購障礙，並徹底加速落實推動，予銀行更大發展空間，俾掌握併購時機。

The growing trend in bank mergers since the start of the 21st century is certain to have an impact on the behavior of Taiwan’s domestic banking industry. With this observation, this paper examines such impact and its future development. The paper also studies the ongoing wave of mergers in Taiwan and problems that may arise there from, with the aim of suggesting policy responses for dealing with likely problems. Given the international trend of bank mergers and the resultant market restructuring and adjustment of employment in the financial sector, it is sensible that domestic regulatory authorities make appropriate preparations ahead of the changes to help domestic banks weather the impending challenges. The paper provides recommendations for financial reforms and banking sector consolidation to pave the way for a successful transition.