机会成本对村镇银行发展速度的影响研究-中国农学通报.PDFVIP

中国农学通报 2013,29(17): 116-122 Chinese Agricultural Science Bulletin 机会成本对村镇银行发展速度的影响研究 李小鹤 （郑州航空工业管理学院经贸学院，郑州450015 ） 摘 要：村镇银行发展缓慢，监管部门政策屡次调整都效果有限。为解释这一现象，笔者引入机会成本， 分析其对村镇银行最优规模的影响。通过使用均衡分析方法，在假设每个微观主体都是理性人的基础 上，建立数学模型，求解影响村镇银行最优规模的因子。分析发现：在转型经济体和发展中国家中，由于 市场竞争不充分，各产业间的资本回报率没有出现收敛趋势，机会成本对企业规模有重要影响；不同经 济主体组建村镇银行的理性选择不同；银行业金融机构面临较大的机会成本，因而缺乏大规模组建村镇 银行的意愿；民间资本投资难，客观上使得其具有成为村镇银行主发起人的机会成本比较优势。主发起 人制度急需改革，只有引入机会成本更低的经济主体才可能促进村镇银行的大规模发展。 关键词：主发起人；使命漂移；机会成本；地区性民营资本 中图分类号：F832.35 文献标志码：A 论文编号：2012-3226 The Influence Research of Opportunity Cost on the Development Speed of Rural Banking Li Xiaohe (ZhengzhouInstituteofAeronauticalIndustryManagementEconomicandTradeInstitute, Zhengzhou 450015) Abstract: Rural banking slowly developed. The supervision bureaus repeatedly adjusted policies, but had only limited effect. To explain this phenomenon, the author introduced the opportunity cost, and analyzed the effect to the optimal scale of rural banking. On the base of the hypothesis of any microeconomicagency was rational economic man, by using the method of equilibrium analysis, the author built a mathematical model to solve the determiner of effect the optimal scale of rural bank. Then he found: in the transconformation economies and developing countries, because of inadequate market competition, returns on capital wasn ’t convergence between industries, so the opportunity cost had the important effect on the enterprise scale; about setting up rural banking every microeconomicagency had different rational choice; because banking financial institutions had bigger opportunity cost, they lack the desire of large scale setting up rural banking: private capital was