银行监督、贷款多元化和差异化产品信息——基于产业组织理论的述评被引量：1

Bank monitoring,loan diversification and differentiated information products based on industrial organization theory

下载PDF

导出

摘要本文从产业组织的规模经济和范围经济的角度对银行委托监督理论进行了综述。首先,介绍了银行业市场结构、多重均衡问题、贷款多元化与银行委托监督内在逻辑,然后,分别对"胜利者诅咒"、差异化产品信息、银行竞争与银行委托监督相互关系的研究进展进行综述。最后,就银行监督和银行业市场结构研究存在的不足之处和未来的研究方向进行了探讨。 This paper makes a summary of the bank monitoring theory from the perspective of economies of scale and scope in industrial organizations.At first,it reviews the intrinsic logic of the banking industry structure,multiple equilibria,loan diversification and bank monitoring.Then,it summarizes the research on relationships between the winner's curse,differentiated information products,bank competition and bank monitoring.Finally,the paper points out deficiencies of the bank monitoring and banking industry structure.The future orientation of the relevant research is also discussed in the paper.

作者雷强李云鹤郝东洋

机构地区上海交通大学安泰经济与管理学院

出处《东南大学学报（哲学社会科学版）》 CSSCI 北大核心 2010年第5期41-47,共7页 Journal of Southeast University(Philosophy and Social Science)

基金教育部应急项目"金融危机成因及有效应对:一个市场全球一体化与监管主权分离性矛盾视角的研究"(2009JYJR037) 国家社科基金重点项目"国际金融体系调整和我国对策研究"(09AJY003)成果之一

关键词银行监督贷款多元化胜利者诅咒差异化产品信息

分类号 F830 [经济管理—金融学]

引文网络
相关文献

参考文献52

1Winton Andrew.Delegated Monitoring and Bank Structure in a Finite Economy[J].Journal of Financial Intermediation,1995a4(2)(April):158-187.
2Winton,Andrew.Competition among Financial Intermediaries When Diversification Matters[J].Journal of Financial Intermediation,1997,6(4)(October):307-346.
3Yanelle,Marie-Odile.Banking Competition and Market Efficiency[J].Review of Economic Studies,1997,64(2)(April):215-239.
4Krasa,Stefan,Ann Villamil.Monitoring the Monitor:An Incentive Structure for a Financial Intermediary[J].Journal of Economic Theory,1992(57):197-221.
5Krasa,Stefan,Ann Villamil.A Theory of Optimal Bank Size[J].Oxford Economic Papers,1993(44):725-749.
6Cerasi,Vittoria,Sonja Daltung.The Optimal Size of a Bank:Costs and Benefits of Diversification[J].European Economic Review,2000,44(9)(October):1701-1726.
7Matej Marin.Bank Monitoring and Role of Diversification[J].Transition Studies Review,2009,16(1):77-91.
8Marcus,Alan.Deregulation and Bank Financial Policy[J].Journal of Banking and Finance,1984(8):557-565.
9Besanko,David,Anjan Thakor.Banking Deregulation:Allocational Consequences of Relaxing Entry Barriers[J].Journal of Banking and Finance,1992,16(5)(September):909-932.
10Allen F,D.Gale.Comparing Financial Systems[M].MIT Press,Cambridge.2000a.