| 我国中小银行资产扩张效应实证研究(1987～2004) |
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| 引用本文： | 朱建武.我国中小银行资产扩张效应实证研究(1987～2004)[J].财经研究,2006,32(8):102-111. |
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| 作者姓名： | 朱建武 |
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| 作者单位： | 国家发改委体改司,北京,100824 |
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| 摘 要： | 文章对我国中小银行1987~2004年资产扩张的经济效应进行了实证分析,并探究了资产扩张的行为动因与逻辑。结论认为,我国中小银行的资产扩张并非是为了追求规模经济,而是对现行金融制度环境和自身经营机制的被动适应。因此,要实现中小银行资产扩张的经济理性,必须从外部金融制度和自身经营机制入手加以解决。
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| 关 键 词： | 中小银行 资产扩张 规模经济 |
| 文章编号： | 1001-9952（2006）08-0102-10 |
| 收稿时间： | 2006-05-16 |
| 修稿时间： | 2006年5月16日 |
An Empirical Analysis of the Assets Expansion of China's Small and Medium Banks:Based on the Sample Dada from 1987 to 2004 |
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| ZHU Jian-wu.An Empirical Analysis of the Assets Expansion of China''''s Small and Medium Banks:Based on the Sample Dada from 1987 to 2004[J].The Study of Finance and Economics,2006,32(8):102-111. |
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| Authors: | ZHU Jian-wu |
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| Institution: | Department of Economics System Reform, NDRC; Beijing 100824, China |
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| Abstract: | Based on the empirical analysis of the effect of assets expansion of China's small and medium banks(SMB),this article investigates the inducement and logic for the expansion.It gets the conclusion that SMB's assets expansion is not based on the scale economy but on a passive response to the current finance institutional environment and the operating mechanism.Therefore,it is important to start from reforming the finance environment and the operating system so as to realize SMB's reasonable expansion. |
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| Keywords: | small and medium banks(SMB) assets expansion scale economy |
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