银行的规模优势和市场分割性

本文建立了一个简单的模型 ,通过对大银行和小银行任意一笔贷款最优款数额的求解 ,证明 :存在规模优势的条件下 ,大银行和小银行由于最优贷款数额不同 ,面对的是相对分割的贷款供给市场 :大银行的贷款优势在大额贷款市场 ,小银行的贷款优势在小额贷款市场。由此得出结论 :在小额贷款需求 ,即中小企业存在的经济中 ,中小银行是一个健全的银行体系不可缺少的部分 ;发展民间中小银行是完善银行体系 ,进而完善金融市场结构和功能的必要途径。

In this paper a simple model is built, and by calculating the optimal loan size , a conclusion is drawn that large banks and small ones face the segmented loan-supply markets: large banks refer to the large loan claimed by the large business, while small ones to the small loan claimed by the small business. So small-and-medium sized banks run by local people must be developed to make improvement on Chinese banking system and support the development of small-and-medium sized business.