In this narrow market are squeezed some 47 domestic banks and more than 300 credit unions. There is an excess of financial institutions and in this environment of vicious competition, unsound financial products are appearing constantly. The problems of credit and debit cards flooding the market and bad debts are becoming increasingly serious, and the Banking Bureau must be relied upon to make adjustments and bring order into the market.
而台灣這狹小市場上，擠了 47 家本國銀行及超過三百家的信用合作社等，金融機構密度過高，惡性競爭下，不健全的金融商品相繼推出，像信用卡和現金卡之類的「雙卡」濫發與呆帳問題越來越嚴重，就必須仰賴銀行局出面協調整頓。