本研究以策略群組為核心，針對台灣地區銀行業進行研究分析，樣本對象為53家本國銀行及39家外國銀行在台分行。藉此了解台灣地區銀行產業內是否有採取相同策略之策略群組存在，各策略群組所採取的策略有何不同及其擁有的優勢為何，最後比較各策略群組在經營績效表現上是否存在差異及差異為何。

　研究結果發現台灣地區銀行業依據公司層級變數、事業層級變數以及功能層級變數可將其分為三個策略群組：「穩健擴張」群、「專注耕耘」群、「創新經營」群。「穩健擴張」群以蠶食方式地擴張其版圖，亦即挾其雄厚資本來占滿通路之方式來經營，而在新產品發展及業務多角化上則最為保守；「創新經營」群在資金來源、新產品發展及業務多角化的值最高，顯示其一方面著重於來自貨幣性存款之資金來源，另一方面極擴展利息外的營業收入而不只是侷限於傳統的利息收入、並且多方面地擴展營業收入；「專注耕耘」群在大部份策略變數上都是居中的。

　策略群組的經營績效則可分財務績效及營運績效來衡量，結果發現在總體經營績效表現上各策略群組有顯著的差異，若就個別經營績效變數來看，「穩健擴張」群在營運績效之營收市場占有率、存款市場占有率是最高的；「創新經營」群在財務績效之資產報酬率、員工平均營業收入、存放比率、營業收入成長率表現最佳；「專注耕耘」群的績效表現則無特別突出之處。財務績效之淨值報酬率、稅前純益率、員工平均盈餘，以及營運績效之獨占力表現則無顯著的差異。

一、英文
1.Aaker, D. A.(1984), Strategic Market Management, John Wiley & Sons Inc., N. Y., pp. 58.
2.Alchian, A. (1950), “ Uncertainty, evolution and economic theory,” Journal of Political Economy, 58, pp. 211-222.
3.Aldrich, H. E. (1979), Organizations and Environments, Prentice-Hall, Englewood Cliffs, NJ.
4.Ansoff（1957）, “ Strategies for Diversification,” Harvard Business Review, September-October.
5.Beard, Donald W., and Gregory G. Dess (1981), “Corporate-Level Strategy, Business-Level Strategy, and Firm Performance,” Academy of Management Journal, 24, 4, pp. 663-688.
6.Borjas, G. (1986), “ The self employment of immigrants,” Journal of Human Resources, 21, pp. 485-506.
7.Brittain, J., and J. Freeman (1986), “Entrepreneurship in the semiconductor industry,” Presented at the Academy of Management Meetings.
8.Buzzell, Robert D. (1999), “Markets Functions and Market Evolution,”Journal of Marketing, 63, pp. 61-63.
9.Cave, R. E., and M. E. Porter (1977), “Form entry barriers to mobility barriers: conjectural decisions and contrived deterrence to new competition,”Quarterly Journal of Economics, 91, pp.241-262.
10.Chakravarthy, Balaji S. (1986), “Measuring Strategic Performance,”Strategic Management Journal, Vol. 7, pp. 437-458.
11.Carroll, D. T. (1983), “A disappointing search for excellence,” Harvard Business Review, 61:6.
12.Carroll, G. R., J. Delacroix, and J. Goodstein (1988), “The political environments of organizations: An ecological view,” in B. Staw and L. Cummings (eds), Research in Organization Behavior, 10, JAA, Greenwich, CT.
13.Carroll, G. R., and E. Mosakowski (1987), “Career dynamics of self-employment,” Administrative Science Quarterly, 32, pp. 570-589.
14.Chrisman, James J., Charles W. Hofer, and William R. Boulton (1988), Toward for Classifying Business Strategies,” Academy of Management Review, 13:3, pp.413-28.
15.Collis, David J., and Cynthia A. Montgomery (1995), “Competing on Resources Strategy in the 1990s,” Harvard Business Review, pp. 118-128.
16.Cool, K. (1985), “Strategic group formation and strategic group shifts: A longitudinal analysis of the US pharmaceutical industry, 1963-82,” PhD Dissertation, Purdue University.
17.Curran, J. G. M., and J. H. Goodfellow (1989), “Theoretical and Practical Issues in the Determination of Market Boundries,” European Journal of Marketing, pp.16-28.
18.Dillon, Madden, & Firtle, Marketing Research In A Marketing Environment, Third Edition, Irwin
19.Drucker, Peter F. (1994), “The Theory of the Business,” Harvard Business Review, Sep.- Oct., pp.95-104.
20.Drucker, Peter F. (1993), Concept of the Corporation, New Brunswick, N. J.: Transaction Publishers.
21.Evans, M. D. R. (1989), “Immigrant entrepreneurship: Effects of ethnic market size and isolated labor pools,” American Sociological Review, 54, pp. 950-962.
22.Ferguson, Tamela D., David L. Deephouse and William L. Ferguson (2000), “Do Strategic Groups Differ in Reputation? ” Strategic Management Journal, 21, pp. 1195-1214.
23.Fiegenbaum A., Sudharsan D.(1987), and Thomas H., “The concept of Stable time periods in strategic groups research,” Managerial and Decision Economics.
24.Fisher, J., and G. Risk Hall (1969), “ Risk and corporate rates of return,” Quarterly Journal of Economics, 83, pp. 79-92.
25.Fuchs, V. (1982), “ Self-employment and labor force participation of older males,” Journal of Human Resources, 18, pp. 339-357.
26.Galbraith, C., and D.E. Schendel (1983), “An empirical analysis of strategy types”, Strategic Management, 4(2), pp. 153-173.
27.Glenn R. Carroll, “A Sociological View on Why Firms Differ”, Strategic Management Journal, Vol. 14, 1993, pp. 237-249.
28.Churchill, Gilbert A., Jr. (1995), Marketing Research: Methodological Foundations, 6th ed. Fort Worth, TX: The Dryden Press.
29.Gup, Benton E., Conald R. Fraster, and James W. Kolari (1989), Commercial Bank Management, New York: John Wiley & Sons Inc., pp. 51.
30.Hair, Joseph F., Rolph E. Anderson, Ronald L. Tatham, and William C. Black (1995), Multivariate Data Analysis with Readings, 4th ed. Englewood Cliffs, NJ: Prentice-Hall, Inc.
31.Hall, M., and L. Weiss (1967), “Firm size and profitability,” The Review of Economics and Statistics, 69, pp. 319-331.
32.Hatten, K. J., and F. W. Crittenden (1977), “Heterogeneity within an industry: firm conduct in the U.S. brewing industry, 1952-1971,” The Journal of Industrial Economics, 26, pp. 97-113.
33.Hayes, S. L., and A. Spence, and D. V. P. Marks (1983), Competition in the Investment Banking Industry, Cambridge, Mass.: Harvard University Press.
34.Hofer, C. W., and D. Schendel (1978), Strategy Formulation: Analytical Concepts, West Publishing, N. Y., p. 65.
35.Howard, Thomas and N. Venkatraman (1998), “Research on Strategic Groups: Progress and Prognosis,” Journal of Management Studies, 25:6, November, pp. 537-555.
36.Hunt, M. S. (1972), “Competition in the major home appliance industry 1960-1970”, unpublished doctoral dissertation, Harvard University.
37.March, J. G. (1978), “Bounded rationality, ambiguity and the engineering of choice,” Bell Journal of Economics, 9, pp. 587-608.
38.McGee, John and Howard Thomas (1986), “ Theory, Research and Taxonomy”, Strategic Management Journal, 7, pp.141-160.
39.Miles, R. E., and C. C. Snow (1978), Organization Strategy, Structure and Process, McGraw-Hill Company, N. Y.
40.Miller, D. (1986), “Configuration of strategy and structure: Towards a synthesis,” Strategic Management Journal, 7 pp. 233-249.
41.Mintzberg, H. (1979), The Structuring of Organizations, Prentice Hall, Englewood Cliffs, NJ.
42.Nelson, R. R., and S. G. Winter (1982), An Evolutionary Theory lf Economics Change, Harvard University Press, Cambridge, MA.
43.Olusoga, S. Ade, Michael P. Mokwa, and Charles H. Noble (1995), “Strategic Groups, Mobility Barriers, and Competitive Advantage: An Empirical Investigation,” Journal of Business Research, 33, pp. 153-164.
44.Olzak, S., and E. West (1991), “Ethnic conflict and the rise and fall of ethnic newspapers,” American sociological Review, 56, pp. 458-474.
45.Parasuraman, Zeithaml, & Berry (1988), “SERVQUAL: A Multiple-Item Scale for Measuring Consumer Perceptions of Service Quality,” Journal of Retailing, 64:1, pp. 12-40.
46.Peters, T. J. and R. H. Waterman (1982), In Search of Excellence: Lessons from America’s Best Run Companies, Harper & Row, New York,
47.Porter, M. E. (1980), Competitive Strategy: Techniques for Analyzing Industries and Competitors, The Free Press, Macmillan.
48.Porter, M. E. (1985), Competitive Advantage: Creating and Sustaining Superior Performance, Macmillan Inc., New York.
49.Prahalad, C. K., and Gary Hamel (1990), “The Core Competence of the Corporation”, Harvard Business Review, May-June, pp. 79-91.
50.Pride, M. and Ferrell (1987), O., Marketing: Basic Concepts and Decisions, 7th edition, Houghton Miffin Company.
51.Ramsler, M. (1982), “Strategic groups and foreign market entry in global banking competition,” unpublished doctoral dissertation, Harvard University.
52.Rumelt, R. P. (1981), “Towards a strategic theory of the firm,” paper prepared for a conference on Non-Traditional Approaches to Policy Research, Graduate School of Business, University of Southern California.
53.Rumelt, Richard P. (1991), “How much does industry matter?” Strategic Management Journal, 12,, pp. 167-185.
54.Roth, Kendall, and Allen J. Morrison (1990), “An Empirical Analysis of the Integration-Responsiveness Framework in Global Industries,” Journal of International Business Studies, 4.
55.Schendel, D., and G. Patten (1978), “A simultaneous equation model of corporate strategy,” Management Science, 24, pp. 11611-1621.
56.Schoeffler, S., R. Buzzell, and D. Heany (1974), “ The impact of strategic planning on profit performance,” Harvard Business Review, 52, pp. 137-145.
57.Stanton, W. (1984), Fundamentals of Marketing, 7th edition, McGrew-Hill.
58.Stinchcombe, A. L. (1965), “Organizations and social structure,” IN j. G. March (ed.), Handbook of Organizations, Rand-McNally, Chicago, IL, pp. 153-193.
59.Sullivan, Daniel (1994), “The Threshold of Internationalization: Replication, Extension, and Teinterpretation,” Management International Review, 34, p173.
60.Tushman, M. L. and P. Anderson (1986), “Technological discontinuities and organizational environments,” Administrative Science Quarterly, 31, pp. 439-465.
61.Venkatraman, N., and Vasudevan Ramanujam (1996), “ Measurement of Business Performance in Strategy Research: A Comparison of Approaches,” Academy of Management Review, 11:4, 1996, pp. 801-814.
62.Walker, Orville C., Jr & Ruekert, Robert W. (1987), “Marketing’s Role in the Implementation of Business Strategies: A Critical Review and Conceptual Framework,” Journal of Marketing, 51, Jul, pp.15-33.
63.Wernerfelt, Birger, (1984), “A Resource-based View of the Firm,” Strategic Management Journal, 5, pp. 171-180.
64.Williamson, O. E. (1991), The Economic Institutions of Capitalism, Free Press, New York.
65.Woo, C. Y. and G. Willard (1983), “Performance representation in business policy research: discussion and recommendation,” Paper presented at the 23rd Annual National Meetings of the Academy of Management, Dallas.
二、中文：
1.王秉鈞主譯（Stephen P. Robbins原著），管理學，華泰書局，1995年。
2.王應登，我國家電產業策略群組與績效關係之研究，台灣大學商學研究所未出版碩士論文，1997年。
3.司徒達賢，策略管理，遠流出版社，1995年。
4.司徒達賢、李仁芳、吳思華，企業概論，國立空中大學，1994年。
5.巫清長，國內新民營商業銀行策略群組、組織結構與績效關係之研究，台灣大學商學研究所未出版碩士論文，2000年。
6.吳思華，策略九說，臉譜出版社，1998年。
7.汪海清、黃景泰、謝維國、楊培宏、王南豪，消費金融貸款實務，財團法人金融人員研究訓練中心，1999年。
8.周文賢，多變量統計分析－SAS/STAT之應用，智勝文化，2001年。
9.胡維釗，台灣地區銀行業經營績效之比較分析，台灣大學商學研究所未出版碩士論文，1993年。
10.夏侯欣鵬，銀行經營策略與績效關係的探討，私立淡江大學管理科學研究所未出版碩士論文，1993年。
11.陳月美，銀行經營型態與績效之關係研究-從銀行理財特質觀點探討，私立淡江大學管理科學研究所未出版碩士論文，1991年。
12.陳家彬、許雯絞，台灣地區新商業銀行經營策略之研究-策略群組模式之實證研究，台灣銀行季刊，第四十七卷，一一三刊，1995年。
13.陳一圈，國內各銀行業者運用網際網路的策略觀點，台灣大學商學研究所未出版碩士論文，1997年。
14.陳一如、蘇法，資訊化發展與銀行獲利關聯性之探討，企銀季刊，第廿四卷，第一期，2000年7月。
15.莊振家，我國銀行業運用網際網路之競爭策略，台灣大學商學研究所未出版碩士論文，1997年。
16.淺井 慶三郎，服務業行銷，日之昇文化出版，1999年。
17.黃俊英著，多變量分析，第五版，中國經濟企業研究所出版，1995年6月，第十章。
18.曾緒良，我國銀行業經營策略之研究－策略矩陣分析法應用，政治大學企業研究所未出版碩士論文，1995年。
19.黃齡儀，從品質認知落差觀點看網路/行動銀行之服務品質策略：美國經驗與台灣實證，台大國企所未出版碩士論文，2000。
20.彭正浩，台灣銀行業多角化與其績效之研究，台灣大學經濟研究所未出版碩士論文，1999年。
21.楊國樞、文崇一、吳聰賢、李亦園編，社會及行為科學研究法，東華書局，1992年。
22.劉祥熹、林秀峰，競爭態勢、營運行為與市場績效之研究－台灣地區銀行業與信用合作社之比較分析，企銀季刊，第廿四卷，第三期，2001年1月。
23.顏月珠，商用統計學，三民出版社，1993年。
24.謝澄周，公營銀行民營化後之經營策略－以個案銀行為例，台灣大學商學研究所未出版碩士論文，1998年。
25.蘇點宇，台灣地區銀行業務演變趨勢之分析，台灣大學財務金融研究所未出版碩士論文，1999年。
26.天下雜誌，2000大企業調查，2000年5月25日。
27.台灣地區集團企業研究，中華徵信所，2000年。
28.商業週刊，銀行服務品質大調查，2000年11月6日。
29.萬通季刊，金融控股公司簡介，37期，2001年3月。
30.銀行資產負債管理，財團法人金融人員研究訓練中心，1991年。
31.調查資料，簡述金融跨業經營趨勢對銀行業的影響，第429期，第一銀行，2000年11月30日。