摘要
银行业管制作为规则的一部分,是一个复杂的整体,其对银行业竞争将产生重大影响。本文采用规范的研究方法,从反对传统的市场结构决定论和垄断/寡头模型出发,以价格竞争为中心研究银行业管制体系。本文提出,在银行的价格竞争中,存在交易费用较高和边际成本上升两个重要的限制条件,以此为基础建立价格竞争的理论框架,综合分析数量管制、价格管制、准入管制对银行行为的影响,以及对部分现实问题提出不同看法。
Banking regulation, as part of the overall rules, proves to be a complex system, which may have significant impact on the competition in the banking sector. Adopting the standardized research methods, this paper first opposes the traditional determinism of market structure and monopoly/oligopoly model, and then analyzes the banking regulation system with price competition as the center. This article proposes that in Banks’ price competition, high transaction cost and rising marginal cost are two important limitations. Based on this, the article establishes a theoretical framework of price competition,comprehensively analyzes the impact of quantity control, price control and access control on Bank behaviors, in addition to various comments on some practical problems.
出处
《国际金融研究》
CSSCI
北大核心
2015年第5期56-66,共11页
Studies of International Finance
关键词
银行业
管制
价格竞争
Banking
Regulation
Price Competition
