商业银行成长:理论内涵与成长机理分析

在商业银行成长过程中,除了市场竞争、技术进步等一般因素外,资本约束、公司治理、管理能力、银行战略、综合化经营、金融创新、银行家和金融生态环境等因素对商业银行成长具有决定性影响.商业银行成长的边界不仅包括外部的规模边界,而且还包括内部边界和寿命边界.商业银行的成长路径主要有自然成长、购并成长和跨组织成长三种方式可供选择;在金融全球化、信息化发展背景下,购并成长、跨组织成长对商业银行成长的意义更为显著.评价一家银行的成长性,不仅要考虑规模和速度,更要考虑成长的潜力.

The Growth of the Commercial Banks: An Analysis of the Theoretical Implication and Growth Mechanism

Apart from general factors like market competition,technological advancement,other factors may also have decisive impact on the growth of the commercial banks such as capital restraint,corporate govern menace,management ability,bank strategies,comprehensive operation,financial innovation,bankers and the financial eco-environment.The boundary of the growth of the commercial banks includes not only external boundary of scale,but also the internal boundary and life boundary.The commercial banks can choose one of the following modes of development: natural growth,merging and acquisition,and forming conglomerate.The last two modes are of particular significance given the backdrop of financial globalization,and informatization.In the evaluation of the growth of a commercial bank the growth potential as well as the scale and the speed of development need to be considered.