| Summary: | 碩士 === 國立中正大學 === 會計資訊與法律數位學習碩士在職專班 === 103 === 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.
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