商业银行经营地域自由化问题研究述评

A Survey on the Research of Commercial Banks' Operating Geographic Liberalization

取消商业银行经营地域管制是金融自由化的重要内容之一。文章从微观、中观和宏观三个层面梳理商业银行经营地域自由化经济效应的代表性研究成果。发现放松地域管制不仅影响商业银行的风险控制、经营效率、银行业竞争和稳定,也对非金融业企业的融资成本和融资结构产生影响,进而作用于区域经济增长。

Eliminating the geographic regulation was the important content of the financial liberalization. The paper surveyed the typical researches on the commercial banks operating geographic deregulation and its eco- nomic effects from micro - , industry- and macro - perspective. It suggested the geographic deregulation effected on the banks risk control, the competition and the stability of banking. And it works on the financing costs and the financing structure of non - finance enterprises, further more, on the regional economic growth.