摘要
金融中介机构之间的竞争日益激烈,与随之而来的息差收缩共同引起许多商业银行进入新的市场领域,并采取交叉销售的战略。研究结果表明,欧洲存在两种银行:对"存款者"更感兴趣的交叉销售银行;对向优质借款人发放贷款感兴趣的传统银行。目前欧洲这两类银行的经营存在很大的差异。通过模型证明,交叉销售银行往往位于银行体系不集中的国家,但它们没有息差较低的特点。
According to a part of economic literature, the growing competition among financial intermediaries, together with the consequent interest margin shrink, induced many banks to enter new markets and adopt crossselling strategies. Our results show that two kinds of banks coexist in Europe ： cross-selling banks, more interested in ＂depositors＂ than in loans, and traditional banks, interested in granting loans to good borrowers. The awareness of the deep difference existing between these two types of banks now operating in Europe is very important for the implementation of an effective economic policy in the face of the financial crisis. We find evidence that cross-selling banks tend to be localized in countries where the banking system is less concentrated but they are not characterized by lower interest margins.
出处
《税务与经济》
CSSCI
北大核心
2013年第1期36-39,共4页
Taxation and Economy
