摘要
金融开放后,我国银行业的客户和信贷风险替代效应、利润替代效应不可避免。同时,由于信息约束的存在,“租金返还”和资金供给量减少等现象也将出现。出于对风险的过分回避,监管当局对市场准入所实施的严格限制,也不利于提升具全面竞争力的银行体系。因此,加快资金价格改革步伐、寻求新利润流的来源、化解信息约束条件、增加多层次的金融机构等途径也就成为解决问题的必须选择。
When finance industry opens completely, the banking industry of China will inevitably face the substitution effect of customer and credit risk as well as the substitution effect of profit. At the same time, because of the exist of information limitation, the rent repayment and the decrease of capital supply will take place. What's more, to evade the risk to a fault, the regulatory authority sets down rigorous restriction for the entrance of market, which is not beneficial to building a competent banking system. So, in order to resolve all these problems, it's necessary to quicken the reform of capital price, to seek for new source of profit, to outbreak the information limitation and to increase the multi-level financial institution.
出处
《华南金融研究》
2003年第6期14-17,共4页
South China Financial Research