经济发展不同阶段金融机构数量及管理政策研究

在普通金融内生增长模型的基础上,通过考虑金融机构经营的专业化经济和规模经济,对金融部门融资成本进行比较动态分析.研究结果表明:市场内生的金融机构数量一般是无效的,社会管理部门可以通过对金融机构的数量进行调整来提高金融部门的效率,促进经济的增长.然而具体是扩大金融机构规模、减少金融机构数量,还是发展专业性金融机构、增加金融机构数量,要根据经济发展的不同阶段进行选择.

Research on the Number of Financial Institutions and Management Policy in the Different Stage of Economic Development

Based on the normal financial endogenous growth model,and considering of the specialization economy and scale economy of financial institutions handling,this paper analyzed the financial sector financing cost on comparison dynamic analy sis method.The result shows that the number of financial institutions by market endogenous is ineffective in general and social man agement department can through to adjust the amount of financial institutions to promote economic growth.However,to expand the scale of financial institutions and reduce the number of financial institutions or to develop professional financial institutions and increase the number of financial institutions,this must be chosen according to the different stage of economic development.