自1991年至2005年底，國內銀行業歷經民營銀行開放新設、合作社改制、公營銀行民營化、乃至金融機構合併與金融控股公司的成立，國內規模偏小的銀行逐漸面臨未來存續與否的問題；然而國外文獻紛紛指出小銀行具有企業放款優勢，以及法規鬆綁、技術的進步對銀行企業放款的影響。
為瞭解本國銀行的企業放款績效，本研究乃以Carter-McNulty（2005）提出的迴歸模型，檢測本國銀行的企業放款淨利率與銀行規模、企業的小型放款、法規與技術改變之間的關係，並以時間（TIME）作為法規與技術進步之代理變數。基於穩健的原則，同時採用隨機效果模型，所得到的實證結果是一致的：企業放款淨利率隨著時間逐漸下降、銀行規模效果存在、放款規模效果存在；並且發現沒有明顯的證據顯示公營銀行的企業放款淨利率異於民營銀行；而1991年所開放設立的新銀行，其企業放款淨利率顯著低於其他銀行。

From 1991 to 2005, the internal banking industry faces regulation and technology changes, including deregulation of new private banks, privatization, consolidation, and the widespread adoption of new banking technologies. Consolidation in the banking industry has sparked concern about the future of small banks. However, a number of foreign studies argue that small bank advantage hypothesis exists and evidence the influence of deregulation and technology on business lending.
For analyzing the performance of business lending in internal banking industry, we use the regression model of Carter and McNulty（2005）to test the relationship between risk-adjusted business yield, the size of banks, small business lending, and regulation-and-technology changes. Besides that, we consider random effect model to acquire robust results. From both models, the consistent results are as follows. Fist, the returns to business lending have declined over the sample period. Second, size-of-bank and size-of-loan effects exist. Additionally, there is no significant statistic that adjusted-risk business yields of public banks are different from private banks, and the business lending performance of the new banks in 1991 is significantly lower than other banks.

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