金融業具有重大外部經濟且為高風險暴露產業，因此，當金融業的風險管理不當，將會造成經濟波動，進而產生衍生金融風險。我國截至目前為止14家金融控股公司中，其中13家包含銀行業務，更顯示出許多銀行積極擴大事業版圖為金融控股公司。然而，在銀行加入金控公司行列之後，是否能更有效的管理風險且創造競爭優勢呢？本研究將探討投入金控的銀行與未投入金控的銀行，在風險控管方面是否具有差異。本研究經t檢定及MANOVA檢定發現，加入金融控股行列的銀行能更有效率的管理風險並提升競爭能力。

The financial industry lies in having major external economy and differs from other industries, and banking is a high risk industry. So when financial industry risks management improperly, it will cause the economy fluctuation and develop a financial storm. Furthermore, more banks join the financial holding company display the bank to extend the business scale. However, whether the bank join financial holding company can more effectively manage the risk and create the competitive advantage? This research study the difference about risk management between the bank join financial holding company or not. Through using t-test and the MANOVA and finding that the banks joined the Financial Holding Company can make management efficient and promote competition.