| 商业银行贷款竞争行为的比较研究——基于人力成本差异的分析 |
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| 引用本文： | 谭政勋,王聪.商业银行贷款竞争行为的比较研究——基于人力成本差异的分析[J].山西财经大学学报,2007,29(4):104-108. |
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| 作者姓名： | 谭政勋 王聪 |
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| 作者单位： | 暨南大学,经济学院,广东,广州,510632 |
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| 基金项目： | 高等学校博士学科点专项科研项目 |
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| 摘 要： | 从理论和实证两个角度，对国有银行和股份制银行人力成本差异及其原因、竞争行为差异及其原因进行了比较研究。结果表明，股份制银行的产权制度和激励约束机制与商业银行的“契约性质”更加相符，人力资本的成本弹性系数显著低于国有银行，人力资本的使用效率明显高于国有银行。
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| 关 键 词： | 人力资本使用效率 人力资本成本 贷款竞争行为 |
| 文章编号： | 1007-9556(2007)04-0104-05 |
| 修稿时间： | 2007年3月5日 |
Comparative Analysis on Loan-competition Behavior Among Commercial Banks of China——Based on Analysis of Different Human Capital |
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| TAN Zheng-xun,WANG Cong.Comparative Analysis on Loan-competition Behavior Among Commercial Banks of China——Based on Analysis of Different Human Capital[J].Journal of Shanxi Finance and Economics University,2007,29(4):104-108. |
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| Authors: | TAN Zheng-xun WANG Cong |
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| Abstract: | This paper studies the difference of human capital productivity and loan competition behavior between the large state-owned commercial banks and joint-stock commercial banks from the perspective of theoretical and empirical analysis.Through comparative research,the paper finds three important results.The loan growth of joint-stock commercial banks has the same tendency with inter-bank rate,while state-owned commercial banks are different. |
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| Keywords: | efficiency of human capital productivity human capital loan competition behavior |
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