台湾发展区域性银行问题探讨

Research on the Development of Taiwan Regional Banks

近年来亚洲经济的快速增长与区域经济整合潮流的形成,为台湾金融业摆脱经营困境提供了良好机遇,台湾当局因此提出发展区域性银行的重要政策。但推进这一政策的制约因素却十分突出,如,公股银行合并争议大;银行业的国际化程度较低;金融管理体制僵化;台湾在区域经济整合中有边缘化危机等。因此,总体上台湾要成功发展区域性银行的前景并不十分乐观。但若能选择恰当的推进路径,如,推进配套改革,确保"公公并"取得成效;循序多元推进银行规模的扩大;努力排除障碍,让两岸合作的优势变为现实等,尚有可能取得阶段性的成效。

Recently,the fast economic growth in Asian and the integration of regional economies provides a good opportunity for Taiwan financial industry to get out of the difficulties. Taiwan executive administration therefore puts forward the important policy of regional banks development. However,many unfavorable factors restrict the implementation of the program,such as dispute on the merger of state-owned banks,the relative low degree of internationalization of the banking industry,the rigidity of financial management system,the risk of marginalization of Taiwan in regional economic integration and so on. Therefore,the development prospect of Taiwan's regional banks is not optimistic. However,if Taiwan can take appropriate measures,such as promoting the reform and the merging of the state-owned banks successfully,expanding the size of the bank gradually,making great efforts to remove obstacles to transform cross-strait cooperation advantages into reality,regional banks may achieve substantive results.