摘要
本文分析了商业银行分业经营与综合经营在监管成本、银行内部管理成本以及社会交易成本三方面的影响 ,认为“社会比较利益”的大小是决定选择分业或综合经营模式的关键因素 ;同时本文认为商业银行经营模式是动态发展的 ,在边际效用递减规律作用下 ,不同的发展阶段有着不同的成本变化趋势 ,由此探讨了商业银行实行综合经营的基础性条件 ;最后本文提出了我国实行综合经营需要注意的几个问题。
This paper analyzes the effect of supervision cost,commercial bank's internal management cost and social trading cost,which come from commercial bank separated run or comprehensive run,and think the “social contrast benefit's is the key to select separated run or comprehensive run.At the same time,the paper think the pattern of the commercial bank run is developing,in the different period,three kind of cost will change following the different trend because of decreasing of marginal effect.According to the above analysis,the paper stadys the base conditions of comprehensive run,such as the improvement of supervisor ability,constructure of commercial bank internal management and the development of information tech.At last,the paper points out some problems about comprehensive run in China.
出处
《金融研究》
CSSCI
北大核心
2000年第10期53-59,共7页
Journal of Financial Research
