国有商业银行经营行为异化实证研究.pdfVIP

国有商业银行经营行为异化的实正研究 The Positive Research on the Running Behavior’S Dissimflation of the State—owned Commercial Banks Abstract The opening reform of china has been carried on for many years，during which the state-owned commercial banks play arl important role tO supply infrastructure c印ital． Wim the development of commercialization,the competition between the state—owned commercial banks indicares benefit-oriented．However,the state—owned commercial banks have departure from the basic object——maximal prof沁which could limit speed and scale ofour economy． This paper,based on the general running behavior’s theoD—一maximal profit object，makes clear that the state-owned commercial banks aspire after scale effect, scope effect and structural effect to achieve this object．Then，utilizing the time induction the author divides the OVer 20 years development of the banks’competition into three phases．What’s more．the positive methods arc chosen to manifest that our state—owned commercial banks have departure fiom maximal profit object．Amourtt of reasonable data fzom 1 984 to 2004 primly support the author’S viewpoint the running behavior ofthe state-owned commercial banks has taken on the dissimilation． How to normalize the running behavior of the state·owned commercial banks has been a troublesome problem．At the end of this paper the author supports the current suggestions about company governing structure and motivating mechanics．At the same time some flew proposals are made----establishmant of bank alliance network organization and 6-Sigma reengineering ofthe bank flow． Keywords：Scale effect；Scope effect；Bank gUiance network organization II 国有商业银行经营行为异化的实证研究 0．1选题意义 0前言 一、国有商业银行经营行为有其特殊性 自1979年实行改革开放以来，我国开创了一个经济发展的新时代，经济以举 世瞩目的速度增长，国家综合实力得到空前的发展和壮大。与此同时，农村改革、 企业改革和财税体制改革所引起的国民收入分配格局的变化，把银行推上了历史 的舞台．促进了金融产业的爆发式增长。 从传统的计划经济体制转向社会主义市场经济体制过程中，国有商业银行行 为和一般企业行为有许多的共同之处，最根本的共同点在于国有商业银行行为的 目的和企业一样，作为市场经济活动的一分子，平等的与企业参与竞争，谋取最 大的利润。然而，在中国改革过程中逐步恢复、设立、改制而成的国有商业银行， 其行为则有许多特殊性。首先，国有商业银行的前身是国家