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全能银行:优劣势比较与发展

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摘要 本文分析了全能银行的优劣。全能银行的主要优势是:由于多元化投资和经营产生的收益稳定性;混业经营中由于交叉收益、信息共享等带来的范围经济;由于成本摊薄等带来的规模经济效应,这些是实施全能银行出动力。但是,全能银行的优势存在两面性和局限性,全能银行存在管理、文化、创新、垄断等劣势。最后,文章分析了银行业的发展趋势。
作者 黄秀祥
出处 《现代商业》 2015年第3期173-174,共2页 Modern Business
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