0年代以来，企业并购之风席卷全球，银行业尤甚，早先的东京银行与三菱银行并购案（1996）。大通银行与化学银行并购案（1996）以及瑞士银行与瑞士联合银行并购案（1997）都曾轰动一时。1998年4月银行并购再掀高潮，先是花旗银行与旅行者集团达成合并协议，组成全球最大的金融服务企业，随后全美排名第五的美洲银行又与排名第三的国民银行合并，与此同时第一银行又与第一芝加哥银行合并而成为全美第五大银行。-0's, the M & A trend sweeping across the world, particularly the banking sector, earlier the Bank of Tokyo and Mitsubishi Bank Merger (1996). Chase Manhattan Bank and Chemical Bank Merger (1996) and the Swiss banks and the merger of Union Bank of Switzerland (1997) have created a furore. April 1998 there was a high tide of further bank mergers and acquisitions, first with Citibank Travelers Group merger agreement. formed the world's largest financial service enterprises, Subsequently the United States ranked fifth in the Bank of America ranked third with the National Bank merger Meanwhile First Bank with the first Chicago bank merger creating the fifth largest banking.