银行最优化扩张规模及实证分析

The Optimization Expansion Scale of Banks' and the Empirical Analysis

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。

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.