台灣官股銀行合併可行性分析-以國內某兩大銀行合併為例

Feasibility of Merging Government-owned Banks : A Case Study on Two Government-owned Banks in Taiwan

童榮地(Jung-Ti Tung)

指導教授 ： 林岳喬

國立中正大學/管理學院/會計資訊與法律數位學習碩士在職專班/碩士(2015年)

摘要

本文主要研究國內某兩大官股銀行合併的可行性。銀行家數過多、規模不夠大、利差太小，一直是台灣銀行業長期面臨的困境。透過兩家大型官股銀行合併成立一家超大型的銀行，一方面可以走出台灣與國外其它銀行競爭，避免只在台灣搶食有限的大餅，有效提升利差；也可減少國內銀行家數與分行數。同時，也將產生大者恆大的效應，促使國內其它大型銀行甚至中小型銀行也要開始進行整併，否者將會被市場淘汰。官股銀行整併，可謂一舉數得。只是，銀行整併在台灣講了幾十年，真正合併成功的例子卻寥寥可數，可見其背後有強大的阻力存在。因此，本研究選定了兩家最有希望合併的官股銀行作為研究標的，以「個案研究」為研究方法，首先對於有關台灣銀行業合併之文獻加以研究探討，以確立銀行合併之定義與範圍。研究變數則是從政策面、經營面、財務面與員工面來分析兩家銀行合併的可行性。
根據本論文的研究結果，兩家銀行合併所將遇到的阻力皆具有解決的可能性，合併之後的新銀行不論是在規模、資產、存款量、放款量、國內外分支機構等都穩居台灣龍頭地位，也有能力參與亞洲盃，與亞洲其它大型銀行一爭高下。而合併後的ROE與ROA表現也都在其它官股銀行之上，可以說兩家銀行的合併除了擴大規模之外，同時也兼顧了獲利能力。此外，並歸納出兩家銀行未來合併後的優勢及所將面臨的世界級新挑戰，希望能夠做為台灣銀行業進行合併時的參考。同時也誠摯希望這兩家官股銀行的公公併能夠順利完成，替台灣打造一間具有國際競爭力的亞洲區域銀行，並成為台灣金融整併的一大里程碑。

關鍵字

亞洲盃 ； 銀行整併 ； 官股銀行

並列摘要

This study mainly focuses on the feasibility of merging two huge domestic government-owned banks. What the banking sector in Taiwan encounters now is overbanking, small scale and low interest margin. Only by merging two huge government-owned banks does a mega-bank come into existence, the numbers of domestic banks and that of branches being reduced. In this way, the mega-bank can boost its interest margin and gain a competitive edge over other foreign banks abroad while avoiding scrambling for limited resources. On the other hand, the “the bigger the stronger” theory will take effect, making other large banks and even small and medium ones start merging while they take the elimination into account.
Therefore, the merger of government-owned banks serves multiple purposes as a way out of the difficulties. The merger of banks has as yet been pie in the sky for decades in Taiwan, and little has been done successfully, seeing that a stout resistance has been put up. Therefore, this study picks two government-owned banks which are the most possible to be merged as study object, and adopts “case study” as study method. In the first place, it researches and explores on the literatures about merger in Taiwan’s banking sector to establish the definition and scope of the merger of the banks. As to study variables, this study will be looking at the feasibility of merger between these two banks in terms of policy, operation, finance and staff.
Based on the result, there is a possibility to take the path of least resistance to merge these two banks. The new bank merged by the two becomes second to none in terms of size, asset, volume of deposit, volume of loan, and branches among domestic and foreign markets; and it is also capable to participate in the game of Asian markets to compete with other large banks. And the ROE and ROA of the new bank are both beyond that of other government-owned banks. In other words, the merger between these two banks does not only expand its size but also remain its profitability as expected. Moreover, this study summarizes the advantages and the new world-level challenges that these two banks are going to face after merger in order to make references for Taiwan’s banking sector. Simultaneously, I sincerely hope the merger between these two government-owned banks can be completed successfully; this will build a globally competitive bank in Asian region for Taiwan and become a milestone of merger for the banking sector in Taiwan.

並列關鍵字

game in the Asian market ； merger of banks ； government-owned bank

參考文獻

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