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In recent years, because of changes in the corporate environment, Taiwan’s financial sector has seen a trend of merging financial institutions. This has caused massive changes in the lives of many senior financial institution managers. In comparison, financial corporations have overlooked social morals, social responsibility, and corporate ethics in using large numbers of sales personnel to market high profit financial products such as cash cards, credit cards, and personal consumer financing at the expense of wealth of middle and lower classes in order to achieve assisted sales performance after financial mergers. On the other hand, financial holdings companies have low intentionality to accept, there are high interest rates, with harsh added conditions, so that middle and small businesses have no way of borrow, so there are economic problems and financial chaos due to elevated costs.
This study uses as senior managers who have experienced mergers and left their jobs, as well as current financial institution senior managers as research subjects, and there were 60 valid survey samples. It uses “in-depth surveys,” “descriptive discussion,” and “empirical explanations” to discuss the “effects on future development of senior managers,” “change in employee benefits, loyalty to current company, changes in social values of banks, changes in issues such as professional ethics of employees after mergers,” and “possible effects of practical operation after mergers on various domestic industries” after mergers. The research results are provided to personnel in the business, financial business owners, and other people in society as a reference.
The main descriptions and conclusions are as follows:
（1） Descriptions of mergers in the financial industry over the past few years.
（2） Descriptions of actual influences on the employment development, income stability, and protection of employments rights by financial mergers.
（3） Influence on management of consumers, changes in customer service, and effects on the expansion of middle and small businesses under the control of holdings groups after mergers.
（4） After mergers of holdings companies, the ways in which owners care for employees and management operations; the influences on cultivation and employment of financial professionals and domestic industrial economic activities are evaluated.
（5） Taiwan has 25 trillion NTD in banks, 5 trillion NTD in insurance assets, and a market value of 18 trillion NTD in the mainstream stock market, but it lacks a suitable financial merger monitoring mechanisms.
This study suggests that financial institution operators should provide employment incentives for employee “future developments,” “employee loyalty,” and “corporate sustainability,” in order to maintain talent for the country and society. By the same principle, financial services are the bloodline of all industries and a symbol of national potency and trust. It is hoped that citizens would have the concept of life communities, so that financial holdings companies can be constructed into “corporate gentlemen” with social justice and social morals.
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