南方金融
南方金融
남방금융
SOUTH CHINA FINANCE
2014年
12期
25-29
,共5页
商业银行%最优规模%规模扩张%经济增长%地区差异
商業銀行%最優規模%規模擴張%經濟增長%地區差異
상업은행%최우규모%규모확장%경제증장%지구차이
Commercial Banks%The Optimal Scale%Scale Expanding%Economic Growth%Regional Difference
本文运用经济学中的供需平衡和消费效用理论,构建“最优化银行扩张规模”模型,并用该模型对中国大陆地区、美国、中国香港地区的数据进行比较及实证分析。研究结果表明,银行扩张会直接促进经济增长,但银行扩张到一定规模时对经济增长会产生负效应;目前我国总体上尚未存在银行业过度发展的情况,但东西部地区的发展已存在差异。因此,在引导商业银行进行业务扩张时,要注意东西部地区差异,合理有序地促进银行业的繁荣发展。
本文運用經濟學中的供需平衡和消費效用理論,構建“最優化銀行擴張規模”模型,併用該模型對中國大陸地區、美國、中國香港地區的數據進行比較及實證分析。研究結果錶明,銀行擴張會直接促進經濟增長,但銀行擴張到一定規模時對經濟增長會產生負效應;目前我國總體上尚未存在銀行業過度髮展的情況,但東西部地區的髮展已存在差異。因此,在引導商業銀行進行業務擴張時,要註意東西部地區差異,閤理有序地促進銀行業的繁榮髮展。
본문운용경제학중적공수평형화소비효용이론,구건“최우화은행확장규모”모형,병용해모형대중국대륙지구、미국、중국향항지구적수거진행비교급실증분석。연구결과표명,은행확장회직접촉진경제증장,단은행확장도일정규모시대경제증장회산생부효응;목전아국총체상상미존재은행업과도발전적정황,단동서부지구적발전이존재차이。인차,재인도상업은행진행업무확장시,요주의동서부지구차이,합리유서지촉진은행업적번영발전。
Based on the theory of equilibrium of market supply and demand and the theory of consumer utility, this paper makes a model of the optimal size of bank expanding, and then conducts an empirical analysis and comparison of Hong Kong, America and Chinese mainlamd. The result illustrates that although the expanding of the banking sector can boost a country's economy, it will also have some negative effects when the expansion reach to some extent. Overall, China's banking sector is not overdeveloped at present, but there are differences between the west and the east of China. So, When banking sector is expanding, we should pay more attention to the differences between the west and the east of China, and promote the development of banks rationally.