国外银行微观机制前沿理论研究综述

A review on oversea bank micromechanism theory

从微观经济学的角度对信息不对称条件下利率的形成机理、银行高额利率差产生的原因、银行间竞争等问题的若干研究成果进行综述 ,可以得出这样的结论 :我们向外资开放金融市场对本土银行虽然会造成一定的冲击 ,但也可能带来重大的发展机会。

In this paper, some issues such as the internal mechanism of adjustment of interest-rate under condition of asymmetry-information, the cause of leading to high interest-rate margins, and the competition between banks had been reviewed from the point of microeconomics. Then a conclusion had also been gotten that open our financial market to foreign fund will bring about opportunity for mainland bank, although it will make a great shock to them at the same time.