集体理性下的契约性组织行为:对新乡市银行业同业公会的调查

The Collective Rational Contractual Behavior:The Observation on the Banking Assciation of Xin Xiang City

本文以新乡市银行同业公会进行典型调查 ,从集体理性角度论证银行同业公会的契约性组织行为特征。文章认为 ,在当前的银行业市场格局下 ,行业管理是解决银行恶性竞争问题、协调金融机构市场行为的必要手段 ;正确处理监管部门、政府和行业管理部门的关系 ,是今后同业公会发展中必须认真解决的问题。

This paper shows that one of the characteristics of the banking association is the collective rational contractual behavior by the observation on the operation of banking association of Xinxiang City, Henan Province. It is concluded in this paper that banking industry's self discipline is a necessary method to coordinate financial institutions' action and to restrict over competition. To properly define the functions of government, financial regulator and banking sector is crucial.