台灣金融部門的改革與競爭力

Abstract

一個國家的金融產業發展攸關一國未來的經濟發展。台灣經歷二次金融改革，已大幅改善金融機構的經營體質，金融機構也逐漸朝向具有規模且有效率的大型區域化銀行或金融控股公司發展。根據瑞士洛桑管理學院與世界經濟論壇所公布金融產業競爭力指標的排名，相較於2001年台灣均有顯著的進步。此外，隨著兩岸金融監理合作備忘錄與經濟合作架構協定的簽訂，不但開啟了兩岸的金融合作平台，也使得台灣金融產業未來在進軍中國大陸市場上相較於外資銀行具有更多的優勢，並有助於提升台灣金融產業的競爭力。

The development of the financial industry has played a critical role in Taiwan`s economic development. Having undergone two financial reforms, Taiwan has significantly improved the Competitiveness of its financial institutions. Therefore, Taiwan`s performance in terms of its global competitiveness ranking, as published by the IMD and WEF, has been satisfactory. The signing of a Memorandum of Understanding on Cross-Strait Financial Supervisory Cooperation between Taiwan and China on financial services, and the Economic Cooperation Framework Agreement benefits Taiwan`s financial sector. Moreover, Taiwan`s financial industry will gain more favorable competition conditions in Mainland China than foreign banks, which will be conducive to increasing its financial competitiveness.