The economist Wang Tso-yung explains, "Finance, insurance, transportation, and so on received government protection early on... development was restricted."
「金融、保險、運輸等早期受到政府刻意保護，被列為特許的行業，發展也都受到限制」，經濟學者王作榮表示，台灣的服務業無論質、量，都未達水準。