银行全能化发展的制度经济学分析

Approach to the Development of Comprehensive Banking Functions from Perspectives of System Economics

西方国家银行全能化发展说明金融混业经营的供需因素变化,使银行有了扩张经营规模和范围的可能。目前,由于多重制度约束的存在,我国银行只适宜在边界的限制内推进金融机构工具复合与业务交叉,只有当银行最终演进到全能化经营的收益能够抵补并超过总体成本的上升时,全能化经营才真正有其可行性,金融混业经营呈现一个由低级向高级发展的过程。

The development of comprehensive banking functions in the West shows that changes in the supply and demand of mixed financial business have made it possible for banks to expand its scale and scope of operations. Currently, Chinese banks are restricted in offering mixed financial services because of limitations imposed by multiple societal systems. Comprehensive functions of banking will not be possible until banks have evolved to such extent that their profits accrued from mixed operations exceed the rising cost. Mixed financial business usually grows from low level to advance level.