台湾研究集刊
檯灣研究集刊
태만연구집간
Taiwan Research Quarterly
2015年
1期
57~67
,共null页
政治制度 少数政府 金融改革 台湾地区
政治製度 少數政府 金融改革 檯灣地區
정치제도 소수정부 금융개혁 태만지구
political system, minority government, financial reform, Taiwan
20世纪80年代中期以后台湾地区的金融自由化因政策失当，造成银行数量过多、放款审慎程度下降，再加上政商关系不当介入金融治理，导致本土性的金融风暴，因而产生了金融改革的需求。2000年的政党轮替执政开启了台湾金融改革的契机。但在政府体制、政党体系和选举制度的整体影响下，台湾地区政局呈现“少数政府”以及两大政党阵营激烈对立的局面，对政策过程造成不利的影响。金融改革的各面向——包括坏账处理机制、金融监管架构、金融产业组成等一一都遭到或多或少的扭曲，使陈水扁时期的金融改革不但成效不彰，反而弊端丛生。
20世紀80年代中期以後檯灣地區的金融自由化因政策失噹，造成銀行數量過多、放款審慎程度下降，再加上政商關繫不噹介入金融治理，導緻本土性的金融風暴，因而產生瞭金融改革的需求。2000年的政黨輪替執政開啟瞭檯灣金融改革的契機。但在政府體製、政黨體繫和選舉製度的整體影響下，檯灣地區政跼呈現“少數政府”以及兩大政黨陣營激烈對立的跼麵，對政策過程造成不利的影響。金融改革的各麵嚮——包括壞賬處理機製、金融鑑管架構、金融產業組成等一一都遭到或多或少的扭麯，使陳水扁時期的金融改革不但成效不彰，反而弊耑叢生。
20세기80년대중기이후태만지구적금융자유화인정책실당，조성은행수량과다、방관심신정도하강，재가상정상관계불당개입금융치리，도치본토성적금융풍폭，인이산생료금융개혁적수구。2000년적정당륜체집정개계료태만금융개혁적계궤。단재정부체제、정당체계화선거제도적정체영향하，태만지구정국정현“소수정부”이급량대정당진영격렬대립적국면，대정책과정조성불리적영향。금융개혁적각면향——포괄배장처리궤제、금융감관가구、금융산업조성등일일도조도혹다혹소적뉴곡，사진수편시기적금융개혁불단성효불창，반이폐단총생。
Since the mid 80＇s of the 20th century a local financial storm had engulfed the whole of Taiwan due to the excessive number of banks and the slackness in the examination of loan granting system that resulted from the improper financial liberation policy and the inappropriate intervention of the government-business relations, thus leading to a need of financial reform. However, the rotation of the ruling of the political parties that began in 2000 in Taiwan offered the opportunity of finan- cial reform. But with the overall effect by the government system, party system and election system, there appeared the fierce antagonism between the ＂minority government＂ and the two big parties in Taiwan, which had produced an adversely impact on the policy process. Therefore, the financial reform oriented to the bad debt disposal mechanism, the financial regulatory frame- work and the financial industry composition were more or less distorted, which resulted not only in ineffectiveness but also in all kinds of corrupt practices prevailing in financial reform during the Chen Shuibian Administration.
