摘要
商业银行作为社会资源调配中介,不断促进实物资本的形成,催化产业的成长。商业银行的催化功能取决于其市场结构以及与央行的管制。本文通过实证研究发现,要发挥商业银行业的催化作用,需要在以下几个方面进行改进。首先是对国有商业银行的区域布局与业务布局进行调整,以适应大企业需要。其次是要大力发展中小商业银行,以适应小企业需要,最后是要重新设定管制的手段与方法,放松对其的多重过度管制,发挥其催化产业功能。
Commercial Banking acts as the transfer machine of the social resources and promotes the formation of real capital to achieve the catalysis role for the industries development. The catalysis role of commercial banking depends on its market structure and regulations. The paper provides some evidence to support above ideas. Through this empirical test, first of all, the authors find that China＇s commercial banking need to be improved, especially, those state-owned commercial banks need to be adjusted in beth position and operation to satisfy big enterprise＇s demand. Second, we need many mid and small scale commercial banks to satisfy small and mid enterprise＇s demand. Finally, we need to deregulate and re-regulate China＇s commercial banking.
出处
《金融研究》
CSSCI
北大核心
2007年第12A期113-124,共12页
Journal of Financial Research
关键词
商业银行业
催化
市场结构
管制
commercial banking, catalysis, market structure, regulation
