台商向大陆产业转移已经经历了三轮投资浪潮,第四轮投资浪潮正在兴起,并且金融保险业成为重头戏。台湾金融业向大陆的转移是其产业结构优化及在岛内外经济金融形势所迫下自身生存的选择。入世后,台湾金融业向大陆转移取得了实质性成果,台湾银行、保险等金融机构纷纷到大陆布局 The Taiwanese business transfer to the mainland has experienced a wave of three rounds of investment. The fourth wave of investment is on the rise and the financial and insurance industry has become the highlight. The transfer of Taiwan’s financial industry to the mainland is an option for its industrial structure optimization and its own survival under the economic and financial conditions both inside and outside Taiwan. Since the accession to the WTO, Taiwan’s financial industry has made substantive achievements in its transfer to the Mainland. Taiwan’s financial institutions such as banks and insurance companies have successively deployed to the mainland