农业银行开展金融超市的理论解说

A Theoretical Study on Financial Supermarket of the Agricultural Bank of China

由于内外部影响所带来的制度性、竞争性因素变化以及建立“金融超市”预期成本收益的变化促使农业银行作出建立“金融超市”的选择,这符合PhilipMolyneux和NidalShamroukh的基本理论及其两个假说。新时期农行“金融超市”的发展模式应从跨业合作,逐步向金融控股公司和金融业间的兼并重组方向发展。

In line with both the systematic and competitive factor change caused by internal and external influences and the expected cost-benefit change, the Agricultural Bank of China made the decision of setting up 'financial supermarket'. The measure coincides with Philip Molyneux and Nidal Shamroukh's theory and their two hypotheses. This paper holds that the financial supermarket should start from the conglomerate cooperation and steadily turn into financial holding company by merging and restructuring financial institutions.