The Financial Consolidation Wave: The Changing Spatial Structure of Banking System in Taiwan
Date Issued
2007
Date
2007
Author(s)
Wu, Fang-Yi
DOI
zh-TW
Abstract
After a succession of financial deregulation, the banking system in Taiwan experienced an extreme change since 1990s. The traditional banking was under a situation of unprecedented competition and managing risk. Native financial crisis ignited in 1998, and the dominant issues of the financial consolidation and relevant policy including the bank merger and acquisition, and reallocation of banking system were prevailing in finance, economics, and politics during the decades in Taiwan. Different from previous studies, another view of spatial structure of banking system is focused in this article. By analyzing the statistical data and interview information derived from the bank staff, the conclusion follows:
With reorganization and merger, cooperatives, business banks and other local financial institutions entered the nationwide banking systems. Not only amount of branches stepped out the original fields and spaces, but induced an obvious phenomenon of bank agglomeration in Taipei. In addition, the subsequent financial consolidation events led a result in stratifying the inner fund exchanging and decision making which was inevitably controlled by headquarters and most of them were located in Taipei. It created an imbalanced financial allocation that brought a great impact on the local economic activities. The polarization of spatial structure of banking system in aspects of branch network and inner operation was revealed in this study, which is important to further understanding for regional development.
Subjects
金融整併
銀行體系
分支網絡
空間結構
financial consolidation
banking system
branch network
spatial structure
Type
thesis
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