我国商业银行规模经济与兼并问题研究

A Positive Research on the Chinese Commercial Bank′s Scale Economy and Merger&Acquisition

商业银行规模经济是一个颇有争议的问题。国内外学者的研究表明,银行业仅存在有限的规模经济,但这些研究成果与全球范围的银行业兼并浪潮相矛盾。文章利用生存检验法,对我国商业银行的规模经济性进行了实证研究,并对其存在的原因进行了经济解释;在比较国内外银行规模扩张实践的基础上,提出兼并应是我国商业银行规模扩张的有效途径,可以实现规模的快速有效扩张,获取成本竞争优势。

The commercial bank′s scale economy is a disputable issue. According to the theory of industry organization, this paper does a positive analysis on the Chinese commercial bank′s scale economy in the survivor technique, points out the microeconomic explanation of commercial bank having scale economy characteristic; through the comparison of domestic bank′s scale increasing model with oversea bank′s, the paper declares the thoughts of commercialbank′s business expansion, Based on the analysis, the paper suggests for our commercial bank to obtain greater profitability by merging.