民生银行如果顺利并购这家银行，将是该行国际化方面的重大收获。中国企业跨国并购的核心问题之一就是如何对待文化方面的冲突和融合，目前看来，这个困难非常大，短期内很难克服。在这种情况下，并购国外的华资企业，能够降低在文化整合方面的难度，从而提高成功的机会。

美国联合银行控股(UCBH Holdings)是纳斯达克上市公司，1998年上市，2004年达到较高股价水平（20美元左右），并维持到2007年底，从2008年开始，股价快速滑落，目前不到一美元。从价格方面看，是非常廉价的资产。现有员工1500多人。主要服务于美国华人和与大中华地区做生意的美国企业。分支机构分布较广泛。

UCBH Holdings is the holding company for United Commercial Bank, a state-chartered commercial bank, which is a leading bank in the United States serving the Chinese communities and American companies doing business in Greater China. Together, the bank and its subsidiaries, including United Commercial Bank (China) Limited, operate 51 California branches located in the San Francisco Bay Area, Sacramento, Stockton, Los Angeles and Orange counties; eight branches in New York; five branches in metropolitan Atlanta; three branches in New England; two branches in the Pacific Northwest; a branch in Houston; branches in Hong Kong, Shanghai and Shantou, China; and representative offices in Beijing, Guangzhou and Shenzhen, China and Taipei, Taiwan. UCB provides commercial banking services to small- and medium-sized businesses and professionals in a variety of industries, as well as consumer and private client services to individuals. The bank offers a full range of lending activities, including commercial real estate and construction loans, commercial credit facilities, international trade finance, asset-based financing, cash management, loans guaranteed by the U.S. Small Business Administration, home equity lines of credit, online banking services for businesses and consumers, and commercial, multifamily and residential mortgages. UCBH Holdings maintains a location in San Francisco.