对商业银行规模经济的思考

Analysis of Scale Economies of Commercial Banks

由于经营货币资金的特殊性,银行业成了典型的规模递增性质的产业。经营管理成本的存在,决定了银行规模不能无限制扩张。从银行规模经济形成的原因及其影响因素看,我国商业银行目前存在一些问题。为此,建立了银行适度规模的数理模型。

Thanks to the particularity of operating money,commercial banks have been the motive of its scale expansion. But owing to the existence of operating cost,commercial banks couldn＇t expand unlimitedly. Seeing from the causes of scale economics,there exist some problems in commercial banks in Chlna,thus a mathematical model of moderate scale in commercial banks is set up.