Taiwan's overbanked financial sector is characterized by intense competition, weak loan demand, a surfeit of savers, and a dearth of borrowers. These factors have conspired for a number of years now to keep the banking industry in straitened circumstances.
台灣金融業因為家數過多、競爭白熱化，加上市場資金需求不振，存錢的人多、借錢的人少，多年來已深陷經營困境。