商业银行适度规模分析研究--基于金融体系稳定角度分析

摘要

Through using normative analysis and empirical analysis, the paper analyzes the present situation of the scale of China’ s commercial banks in from 2009 to 2012, discusses the prominent features revealed in the development of the banking industry at pre-sent, combines market structure changes of commercial banks and the whole process of the economic system reform, dialectically ana-lyzes the dilemma of the scale and of the competition which commercial banks are concerned about. From the perspectives of financial stability, the paper discusses how to handle the relationship among the scale, the structure and the profitability, points out balancing the monopoly and competition and realizing the sustainable development of commercial banks, and finally puts forward policy suggestions on improving banks’scale economy.%本文使用规范分析和实证分析相结合的方法，通过分析2009-2012年我国商业银行规模的现状，探讨了目前银行业发展中表现出的突出特征，将我国商业银行的市场结构变迁与经济体制改革的整体进程联系起来，辩证分析困扰商业银行的规模与竞争的“两难选择”。从金融稳定角度探讨如何处理好规模与结构、效益等各方面关系，提出了兼顾垄断与竞争的平衡，实现商业银行的可持续发展，并提出改善银行规模经济的政策性建议。