兩岸金融環境與治理及深化之比較研究

Abstract

金融是商業活動不可或缺的一環，面對「金融監理備忘錄」（Memorandum of Understanding，MOU）和「海峽兩岸經濟合作框架協定」（Economic Cooperation Framework Agreement，ECFA）的正式實施，本研究比較銀行、人身保險和股票市場之金融中介和市場，了解兩岸過去十年金融深化情況。Mann-Whitney U 檢定顯示目前保險和股票市場台灣中國大陸有顯著的差距，而中國大陸的銀行卡金額和卡量滲透率已經顯著超越台灣。面對「後ECFA」時代的來臨，台灣金融主管機關宜改善整體金融環境，並爭取中國大陸放寬赴陸設立金融機構之限制及業務範圍，協助台灣金融產業藉由拓展既有市場、開發新市場兩種策略，以提升台灣金融產業的競爭力。

Finance plays an important role in commercial activities. After he Memorandum of Understanding (MOU) and Economic Cooperation Framework Agreement (ECFA) between Taiwan and mainland China are being signed. This thesis compares the financial depths in Taiwan and mainland China in the last decade. The dimensions include the financial intermediates and current market status among banks, life insurance, and stock markets. The Mann-Whitney U test shows that Taiwan and mainland China have statistically significant differences in life insurance and stock markets, while the penetration rates of the amount and the quantity of the banking cards in China have already exceeded those in Taiwan. Taiwan’s financial authorities should expand the existed financial market by improving the business environment, tax institution, international financing services and better financial supervision in Taiwan. As it comes to develop new market, decreasing regulatory barriers including capital limitation and restricted business scope for foreign financial institution in mainland China is a must, and this may be done by detail negotiations under ECFA.