我国国有商业银行中间业务收费问题的理论与实证研究

本文从我国商业银行与客户间存在严重的信息不对称导致客户降低消费意愿,及国有商业银行通过将有较大定价自由的中间业务产品与没有定价权的存贷款产品做成打包产品以获得事实上的产品定价权的方式实现其规模偏好两方面,分析我国国有商业银行中间业务产品收费的重要原因.数据包络分析、参数估计检验及产品收入与价格比较得出的经验证据支持本文的论述.为此,政府监管部门应当发挥信息调控的作用和推动商业银行公司治理机制的完善.商业银行应尽快建立会计核算体系,推行全成本管理.

A Theoretical and Empirical Study into the Charge for Intermediary Business by Our State-owned Commercial Banks

This paper makes an analysis on the reasons for slow development of the intermediary business of our state-owned commercial banks in two aspects. They are the lower charge for the intermediary business. In order to promote the development of our commercial banks' intermediary business, the governmental supervisory departments should bring the full play to the information control and regulation and give impetus to the improvement of the corporation governance mechanism, and the commercial banks should set up as soon as possible the accounting system and put into effect the full-cost management.