"There have been six bank mergers so far," says Huang Shui-chuan, president of the National Federation of Bank Employees Unions, "putting more than 5,000 people out of work. What's the point of the financial industry consolidation policy if the social costs of these mergers exceed their benefits?"
全國銀行員工會理事長黃水泉也質疑：「目前 6 家銀行合併，已經造成五千多位行員失業，社會成本大於效益，金融整併政策意義何在？」面對質疑，陳總統表示，第一次金改的成果已展現，不但銀行逾放比降至歷史新低，銀行資產體質也大幅改善。