在經濟發展過程中，金融服務業在我國經濟發展的結構中，向來是具指標意義的根基產業，金融服務業更扮演支持其他產業部門發展的重要角色。本個案—土地銀行股份有限公司，係屬金融服務業，在政府原有政策保護傘之下，經過近七十年的努力，如今亦佔有一席之地，而自金融市場開放，爭相競逐，已發展到服務全台灣的規模，近年來亦積極跨出台灣本島，將發展觸角伸向國際。
但政府自1989 年正式揭櫫公營事業民營化政策，營運至目前階段，土地銀行若要再度擴展向前跨出一步，自應配合金融監督管理委員會對提高本國銀行之自有資本及加強流動性管理之監督、管理，以提升自身風險管理能力。土地銀行面臨著經營困境之時，背負著公營沉重的包袱，要如何向前跨出變革的第一步，站在抉擇的分叉路口，公司未來發展的方向，而員工對此組織即將發生的變革存在什麼樣的態度？支持抑或是反對？冷漠或是熱烈參與？
本論文包含個案內容和教師手冊兩部分，透過案例的探討，可以讓讀者了解公股銀行在經營的過程中，生存產業與市場結構急遽轉變的環境下，公司高層經營者除了得因應外在環境變遷及競爭外，有時是否也該體察基層員工的需求，消除變革的抗拒，才能使公司這個有機體，跨著穩健的步伐繼續前進。

In the process of economic development, the structure of the financial services industry in Taiwan’s economic development, has always been the foundation of a meaningful indicator of industrial, financial services and more play an important role to support the development of other sectors。Of the present case - the Land Bank, the Department of the genus financial services, under the existing government policy umbrella, after nearly seven years of efforts, now have a place, and since the financial market liberalization competing to compete, the service has grown to the size of Taiwan, in recent years, is also actively cross the island of Taiwan, the tentacles of international development,

But the government formally enshrined in the policy of privatization of public enterprises since 1989, to the current stage of the operation, the Land Bank to extend once again step forward should be fit from the Financial Supervisory Commission (FSC) to raise their own capital Bank and strengthen supervision and management of liquidity management to enhance their risk management capabilities. Land Bank when faced with financial difficulties, burdened with the heavy burden of the public, how to change forward in the first step, fork in the road stood choices, the company's future development direction, and the staff of this organization is about to happen What kind of attitude change exist? support or are against? indifferent or enthusiastic participation?

This paper contains case content and teacher's manual in two parts, to explore through the case, open to enable readers to understand the public shares in the bank in the course of business, the survival of industry and under the structure of the market sharply changing environment, in addition to senior managers must respond to its external environment changes and whether the competition sometimes understand the grassroots needs of employees, elimination of resistance to change in order to make the company the organism, cross a steady pace continues forward.

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