外部性对银行业有效竞争的影响

Analysis on Relationship between Externality and the Banking Competilion

外部性对银行业有效竞争的影响显著。在存在外部性的条件下,同样的资本和要素难以通过市场竞争获得同样的报酬,以利润函数作为切入点,分析某一银行的投入和产出之比发生的变化。金融产品的成本组成包含外部边际成本,选取税收负担、营业费用作为外部边际成本关键因素,分析外部性对银行业有效竞争的影响程度,由此提出优化银行业竞争外部环境的政策建议。

Same capitals and factors are difficult to get same rewards through market competition situation under the condition of externals. By the penetration point of profit function, analysis the happening changes in the input - output comparison of one bank. The costs of financial products include external marginal costs, choose ＂tax burden＂, ＂operating expense＂ as the key elements of the external marginal costs, analysis the influence level of externals for the efficient competition, thereout, put forward the policy proposal for optimizing the exteral surrounding of the banking competition.