摘要
本文指出并分析了金融资产的同质性特点。即以货币、股权、债权等无形权利存在的金融资产在相互转换时的便利性和低成本特性。然后从这一特点出发 ,分析了全能银行的效率和风险。最后指出现阶段我国国有银行垄断的金融结构对实行全能银行制度的障碍。
This paper points out and analyzes a significant characteristic of asset held in financial industries. Basically, assets within different financial industries exist in the form of intangible rather than tangible just like money, bond, stock and so on. It is typically different to transfer assets between among different financial industries and among different non financial industries. In particular, the asset transferring among different financial industries, which is full of intangible assets, is very easy and flexible with low costs. Then we take universal banking as an example to explore the sources of efficiency and risk based on the same characteristic of their assets within different financial industries. At last we addressed that the big barrier for promoting universal banking in current China is in the monopoly structure based on the state owned banks within the financial industries.
出处
《金融研究》
CSSCI
北大核心
2002年第6期56-62,共7页
Journal of Financial Research
