Abstract
Because of the challenge to global financial internalization, liberalization, and market homogeneity, almost financial industry runs after large-scale, it’s mean “Bigger is beautiful”. Under this conception, in order to pursuer low operating cost, economics of scale and competitive advantages, financial industry has faced large reformation. Through mergers and acquisitions, they want to achieve their objections. Commercial banking industry is facing economic environment change and tight competition. The changes include customer habits, financial innovation. Therefore, it is important for banks to establish information system. Because of the development of information technology, network banking and electronic banking is so rapid, banks can increase their IT capability through M&As and strategic alliance.This article takes the 214 commercial banks from 1990 to 1999 for samples, uses Tobin’s q and productivity index to measure the firms’ performance.It also discusses the strategies of M&As and human capital. It also attempts to investigate the impacts of Information Technology on performance after M&As in American banks. This article presents the subjects by chapter 2 and chapter 3. The chapter 2 is M&As’ strategy and performance of commercial banks, and the chapter 3 is the integration of Information Technology of commercial banks. This study address some hypotheses and then test them, finally anally the conclusion. It found that different Independent variables had different effects to dependent variables. The conclusions, I hope they can be the reference data that banking managers or related government department use. It is interesting that the higher intention of M&As, the lower performance to banking industry.