Since the government declared 2001 "year zero of financial reform," banks have been striving to clean up bad debts, while divestiture of public holdings has moved steadily forward. Banking groups have launched into fierce M & A competition, and consumers find new signs going up at banks where they'd been doing business for decades.
2001 年政府啟動「金改元年」，各銀行力求打消呆帳，官股陸續釋出以進行民營化，銀行間也展開激烈購併，消費者一不注意，往來數十年的銀行就換了新招牌。