Taiwan's Financial Reforms: At a Crossroads

面臨決擇之台灣金融改革

10.6545/JFS.2008.16(1).1

顏慶章(Ching-Chang Yen)

財務金融學刊

16卷1期（2008 / 03 / 31）

1 - 18

英文

臺灣自一九九Ｏ年起開始一連串的金融措施至今，值得作一檢視，俾可思索往後的興革方向。溯自政府准許銀行增設分行與新商業銀行的開放，嗣後例如提升金融機構資產品質與鼓勵金融機構的整併，籍由相關數據，可檢視政府決策的影響力與正確性。然臺灣的金融改革必須持續進行，俾使得臺灣資本市場可更加活化、金融市場更有競爭力。本文第一章先就臺灣目前的金融市場態貌做一撿視。為了解當初臺灣金融改革的緣起，在第二章則針對臺灣金融市場，尤其是銀行業在一九八Ｏ年至一九九Ｏ年間所發生的問題進行探討。這十年間臺灣除本土所衍生的金融問題必須面對外，來自國際如一九九七年亞洲金融風暴等，也對金;彎金融市場帶來相當程度的衝擊，第三章針對亞洲金融風暴臺灣必須學習的課題加以分析。第四章則討論自一九九Ｏ年起臺灣所進行的金融措施，特別是二ＯＯＯ年二ＯＯ一年間的全面金融改革工程，包括「金融機構合併法」與「金融控股公司法」的建制，所提供金融機構整併的契機及其成效。但臺灣金融市場未來仍有諸多未來挑戰，第五章則針對此等挑戰提供建言。第六章則以復華金控與元大證券合併為例，證明整併確實可提升綜效。第七章為本文的結語。

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