商业银行中间业务的合作与竞争研究

近年来,大力发展中间业务成为国内商业银行的共识.合作与竞争应该是商业银行中间业务共同发展、谋求内外部效率最优的发展模式.国内商业银行需要从排他性竞争走向合作竞争,建立全新的合作竞争的共赢关系.本文引入合作竞争的理论,运用厂商理论、资源依赖性观点、博弈论和交易成本学的观点来分析国内商业银行在中间业务上竞争合作的动因,提出通过竞争合作促进国内商业银行中间业务发展的具体策略,并对在构建共赢关系过程中应注意的问题进行了深入探讨,就WTO后国内银行如何实施更为有效的中间业务发展战略提出了方案建议.

Cooperation and Competition for Intermediate Business by Commercial Banks

In recent years, consensus has been reached by domestic commercial banks that intermediate business is to be expanded enormously. Cooperation and competition is the best development model for commercial banks to co-develop intermediate business and for maximum internal and external efficiency. Hence domestic commercial banks should compete cooperatively rather than exclusively as they used to and establish a new win-win relationship based on cooperation and competition. This paper uses various theories such as the theory of cooperation and competition, the firm theory, the theory of resource dependency, game theory and transaction cost theory to analyze the induction for competition and cooperation with respect to intermediate business among domestic commercial banks. Concrete measures are proposed for them to push intermediate business through cooperation and competition. In-depth discussion is focused on issues to be addressed in establishing a win-win relationship. Finally development plan is suggested on how to run intermediate business more effectively in post-WTO period.