基于行为金融理论的商业银行经营模式研究

Operation Model Analysis of China’s Commercial Banks Based on Behavior Finance Theory

随着中国经济体制改革的逐步深入和金融经济的全面开放,商业银行现有经营模式的弊端也开始暴露出来。对此,商业银行纷纷改革以求发展,或股改上市,或联合扩大。但对于真正符合中国国情的经营模式却没有一个清晰的认识。鉴于此,本文结合我国商业银行经营模式现状和具体国情,运用行为金融理论分析其经营模式的选择,提出了以传统业务为核心依托,有重点、有层次地发展金融控股集团的商业银行经营模式,以期为商业银行的良好发展提供有效可行的建议。

The abuse of China＇s commercial banks＇ operating mode is being exposing following the development of economic system reform and finance opening. Thus, the commercial banks all reform in order to develop, some reform to stock-joint and some choose to join with others. But, in fact they have no clear idea about it which can conform to the existence situation of China. The paper firstly analyst the present status of operating model about China＇s commercial banks, then try to offer a new model based on behavior finance in hope of the development of commercial banks： A finance holding company which with traditional businesses for pith and then develop other businesses as securities, insurance and so on step by step.