商业银行规模经济研究

Study of economics scale of commercial bank

规模经济作为社会化大生产的一种经济规律,与分工、专业化和协作水平密不可分。对于现代商业银行而言,尽管其经营形式是网点式分散的,但它实行一级法人体制,通过资金的纽带使各个网点结合成一个整体,这要求商业银行的经营必须达到一定的规模,才能提高效率,降低成本,实现其规模效益。文章从现代商业银行存在规模经营的必然性及其实现途径进行了研究。

Economics of scale as a large-scale socialized production of an economic law, can not be separated from division of labor,specialization and level of collaboration.For a modem commercial bank, although its operation is in the form of network-dispersed, it is to implement a corporate structure and bond funds through various outlets in a single whole.This requires that commercial banks need to scale up to a certain size in order to improve efficiency, reduce costs and achieve its economics of scale. In this paper, the existence of a modem commercial bank operating scale of the inevitability of its way was studied.