本文利用民國八十八年十一月至民國九十四年十二月的月資料，由規模經濟與策略相依兩角度實證研究台灣地區三類銀行業合併之可行性。實證結果發現，以成本結構分析，本國銀行、外國銀行及信託投資公司三類銀行業皆偏向規模不經濟的狀態，而本國銀行與外國銀行合併似乎可收降低彼此不經濟狀態之效。業務的相互依存性分析結果顯示：(1)對本國銀行而言，外國銀行對其具有策略上的替代性；(2)對外國銀行而言，本國銀行對其具有策略上的互補性。此有助於銀行業合併後擬定業務發展方針之參考。 This thesis utilizes monthly data covering the period from November 1999 to December 2005, to examine the feasibility of bank merger among Taiwan’s three kind of banking firms, based on scale economies and strategic dependence. The cost structure analyses have shown that Domestic Bank, Foreign Bank and Investment & Trust Company are all fallen into the stage of scale diseconomies, and that a merger of Domestic Bank and Foreign Bank seems to be helpful in reducing the current status of the scale diseconomies. The analyses of mutual dependence in operations have shown the following: (1) foreign banks are strategically substitutable to domestic banks, and (2) domestic banks are strategically complementary to foreign banks. These results provide useful directory references for the relevant bank firms in planning merger activities.
