全台目前有九家公股銀行，市佔率54%，但金管會主委曾銘宗認為公股銀行跟國際銀行相比，規模還太小，應該進行整併，他今天還拿打籃球為例，說唯有透過併購，才有機會打入亞洲盃！
金管會主委曾銘宗拋出議題，首度表態支持，公股銀行併購。
[[金管會主委 曾銘宗]]
希望三到五年內，能夠推動一家到兩家，亞洲區域性的大型銀行，也希望公股銀行能進一步整併，因為我們規模真的太小。
曾銘宗說，國內39家銀行，只有七家資產市占率超過5%，銀行規模太小，唯有透過併購才有機會打進亞洲。
另外，對信用卡的循環利率過高，曾銘宗認為不合理。
[[金管會主委 曾銘宗]]
對全部發卡銀行做全面金檢，為期從下個月開始，大概兩到三個月會完成。
動輒18到20%的循環利率，養成不少卡債族，曾銘宗認為，銀行應該落實風險定價，將循環利率從上限20%下修到16%， 不過這項修正還需要經過立院修法，才有可能。
For the first time, the chairman of the Financial Supervisory Commission publicly voiced support for consolidation of the public banking sector. Most analysts believe that mergers and acquisitions are needed to make Taiwan’s banking sector more competitive internationally.
This is what FSC Chairman Tseng Ming-chung had to say about his outlook for the local banking industry.
Tseng Ming-chung
FSC Chairman
I hope that in the next three to five years, we can have one or two banks that serve as large regional banks in Asia. I also hope for further consolidation of the public banking sector because frankly our scale is too small.
According to Tseng, of the 39 banks in Taiwan, only seven have more than a 5 percent share of total assets in the banking system. Mergers and acquisitions are the easiest way for these smaller banks to achieve the size needed to compete across Asia.
Tseng also said that the interest charged on credit cards is too high.
Tseng Ming-chung
FSC Chairman
Starting from next month, we will conduct a thorough examination of all banks that issue credit cards. This will likely take two to three months to complete.
Rates of 20 percent or more contribute to credit card debt that some cardholders find difficult to repay. Tseng believes that through better risk pricing, the banks can lower rates to no more than 16 percent. For Tseng’s recommendations to have teeth, however, lawmakers would have to amend regulations.
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