目标客户企业规模与差异化银行资本结构的关系研究

The analysis of the relationship between the clients' size and the differential bank's capital structure

本文从企业引入银行外部监管的角度,构造了一个将融资企业规模与银行资本结构融合起来的模型,用以分析银行目标客户企业的规模是否会影响企业的资本结构水平的确定。研究结论表明,大的银行可能更趋向于通过目标客户企业规模的筛选,来降低自己的监督成本,而中小银行可能更趋向于通过资本金比率的方式吸引优质客户,以较高的收益水平来弥补监督成本的提高,这从一定程度上给出了目标客户企业规模不同的银行在资本结构安排上差异化的原因。

The purpose of the paper is to formulate a model to explain the relationship between the client enterprise＇ s size and the bank capital structure, based on the exterior supervision of banks on the enterprises. The research proved that the large banks are more likely to decrease their supervision cost by screening the size of clients. However, the middle and small banks prefer to attract the high-quality clients by increasing the capital, which will bring higher income to offset the bank＇ s excess supervision cost.