自1990年臺灣開放銀行民營化以來，臺灣新民營銀行與在台外商銀行不斷加快爭食國內金融市場的步伐，這對臺灣公營銀行的業務經營與發展帶來巨大的衝擊。在此背景下，臺灣當局於1997年開始了公營銀行民營化的步伐。從總體上看，公營銀行民營化只是臺灣當局極力推動公營事業民營化改革的一環，但鑒於金融產業在整個社會經濟生活中的影響力。因此，臺灣公營銀行民營化無論對整個臺灣金融業發展還是原有金融機構員工的生活都會造成巨大影響。本文以臺灣公營銀行民營化的進程為主線，對臺灣公營銀行民營化進程中的問題進行了詳盡的研究，以求對大陸廣泛關注的民營銀行發展提供可資借鑒的經驗與教訓。

Ever since Taiwan government opened up its state-owned banks in 1990, the new-type state-owned banks have quickened their paces in the competition of financial market with the foreign banks. This has brought about great impact on the management and development of Taiwan state-owned banks. Under this background, leaded by the Taiwan's government, the privatization of state-owned banks started in 1997. On the whole, the privatization of state-owned banks is only a part of the Taiwan government's effort to privatize the state-owned businesses. Therefore, in view of the profound influences of the financial trade on the social economy and daily life, the privatization of the state-owned banks will affect both the whole financial trade and the living conditions of the staff. Taking the process of privatization of Taiwan's state-owned banks as a main stream, this paper studies, in detail, the problem of privatization of Taiwan's of state-owned banks and its effects on the financial trade, in order to provide some advisable experience and lessons for the development of the state-owned banks in mainland.