On the one hand, the reform encouraged new and leading private banks to expand. On the other hand, it made the weaker private banks eager to compete for this large pie of high-interest business in order to protect themselves and avoid becoming takeover targets.
以釋出銀行公股、鼓勵併購為主軸的二次金改，一方面激化了新興民營銀行「前段班」想要擴大版圖的競爭慾望，一方面讓民營銀行「後段班」為了保命不被購併，也加入這塊高利率大餅的爭奪。