In order to protect conglomerates, the government interferes, asking banks to renegotiate outstanding loans. Furthermore, Taiwanese corporate and bankruptcy laws are inadequate, and asset securitization has not been an available option. For these and other reasons, foreign banks think that Taiwanese financial markets are unreliable.
而政府為了維護企業集團，好幾次強力介入，要貸款銀行展延還款期限、降低貸款利率；加上台灣的公司法、破產法不夠完善，不良資產沒有辦法以「證券化」的方式移轉出去，凡此林林總總，都加重了外商銀行對台灣金融市場的不信任感。