我国国有商业银行表外业务发展的新思考--基于范围经济的分析框架

范围经济是对经济组织业务多元化选择与判断的衡量标准。商业银行作为金融企业，其范围经济的大小决定了它实行多元化经营节约成本、提高效益的空间与机会。对我国国有商业银行表外业务范围经济的实证结果表明，我国四大国有商业银行在近年来的大多数年份存在较为明显的范围经济，表外业务的开展对传统业务具有巨大的促进作用，有利于银行总体收入的增长。因此，国有商业银行应该大力开展表外业务，以充分发挥其范围经济的最大效益。

New Reflections on the Development of the OBSA in China''''s State- Owned Commercial Banks

Economies of scope is the criterion to evaluate the multi-business diversification of an economic organization. As financial enterprises, commercial banks' economies of scope determine their space and chances of economizing cost and increasing the benefit with the multi-business diversification. The paper has made an empirical study on the economies of scope of China's state-owned commercial banks, and the result shows that there are comparatively obvious economies of scope in the four state-owned commercial banks in most of recent years. Moreover, the development of OBSA has promoted the traditional business and improved the overall income of the state-owned commercial banks. Therefore, the state-owned commercial banks should launch the OBSA energetically in order to give full play to the greatest benefit of their economies of scope.