銀行屬特許行業加上政府為加速金融機構整併及促進金融國際化，現階段的金融業已在高度競爭下成為微利產業。目前國內銀行業面臨(1)銀行家數過多、同質性高(2)銀行利差指標持續降低與(3)直接金融盛行等三項關鍵嚴重的問題。本研究以針對金融產業的結構組織與營運績效進行相關分析與研究。本研究主要以產業經濟學的SCP 架構，探討金融產業在現今的困境下所面對上述金融產業所面臨之瓶頸，在全球經濟成長的趨勢下，並整理出產業發展趨勢，及討論如何提升未來競爭之要點。研究結果顯示台灣的銀行業在政策的配合下應擴張商品業務的國際性與提升銀行境外金融中心，並增加金融機構之海外據點，都為銀行業規劃的目標。且進一步前往大陸投資或設立營業據點，後ECFA 時代有利於金融業的業務開拓。並將業務比重增加非傳統業務的經營與開發，使手續費收入為銀行業另一個重要收入來源，可使銀行的獲利率不受影響且穩定成長。最後建議台灣的銀行業者應開發新種金融商品業務、提供多樣化金融服務，透過開發金融新商品來提升國內銀行的競爭力。在人員訓練上更應金融業者須更強化理財專員的專業素質與道德操守、建立一套完善的教育訓練及開發新商品以滿足客戶需求、且提供多元化有保障的財富管理商品。The government has franchised the banks to speed up financial institutions consolidation and the promotion of international financial integration. Financial at this stage is a highly competitive industry with low-profit. At present, the domestic banking sectors are facing (1) excessive number of banks and high homogeneity (2) continually reducing bank spread indicators and (3) the prevalence of direct financial. This study investigates the structural organization of the financial industry and performed camp performance analysis and research.In this study, the SCP framework of industrial economics were used to explore the plight and bottleneck of the financial industry, and sort out the trend of global economic growth, industrial development trends, and discuss how to improve the future competition points. The results showed that Taiwan's banking industry should expand its commodities business policies to be in line with international standards, and that banks should improve their offshore financial centers, overseas offices and financial institutions. Banks should also seek to Mainland China to invest in or set up business units, as the ECFA era is conducive to the development of the financial industry. Increasing the proportion of income from non-traditional business management and development fees is another important source that allows bank profitability and stable growth to continue. We suggest that Taiwan's banking industry should develop new financial products and offer a variety of financial services through the development of new financial products, and to enhance the competitiveness of domestic banks. Staff training should be required to strengthen the professional quality and ethics of Banking Commissioner. Also it is required to establish comprehensive education, training and development of new products to meet customer demands, and to provide a wide range of wealth management products guaranteed.
