On the Strategies and Mergers of Banks：A Case on Taiwan Cooperative Bank

[[abstract]]2008年爆發金融海嘯後，銀行業經營日益艱難，因此更需規模經濟來強化效率、降低成本、擴充客源和穩固市場佔有率，造成另一波銀行合併之風。近來隨著政府積極開放金融業前進中國市場，台灣金融業更應藉由策略性的整併來調整體質、鞏固利基與集結更多資源，因應未來潛力無窮的商機需求。 合作金庫商業銀行與中國農民銀行是國內第一個「官官相併」案例。本研究首先對個案公司進行分析，再以SWOT 分析合作金庫商業銀行之內部優、劣勢及所面對的外部環境機會與威脅，釐清公司在產業中之地位與未來發展。分析結果顯示，二家銀行合併，效率確實顯著提升。[[abstract]]The outbreak of the financial tsunami in 2008 has rendered the banking business in great difficulties As a result banks have to enhance their efficiency via economies of scale further reduce costs expand customer base and hold on to market share leading to another wave of banking mergers As the government encourages banks to enther the market in China Taiwan's financial sector has to consolidate more to better utiliza limited resources deasling with the concommitant opportunities Taiwan Cooperative Bank and The Farmers Bank Of China is the first case of public bank mergers With a case study and SWOT analysis this paper shows the and then to Taiwan Cooperative Bank's stength weakness opportunities and threats both externally and internally clarifying the future developlment and status of the bank in the industry The analysis shows that the merger of both banls enhance significantly the operating efficienc