基于规模经济框架下的洛阳市商业银行的规模研

基于规模经济框架下的洛阳市商业银行的规模研究

摘  要：本文基于规模经济的框架，通过对洛阳商业银行的现状及其产生效应的阐述，运用规模经济的理论对其特点进行分析，确定其最佳的经营规模，分析其规模不经济的原因。然后根据理论对如何提高洛阳国有商业银行的绩效进行了系统的、全方位的研究，提出通过提高国有商业银行管理水平，加快金融创新，改造和整合洛阳国有商业银行大量无规模经营的分支机构。通过建立健全洛阳市商业银行的公司治理结构，迅速提高洛阳国有银行的管理效率。通过发挥范围经济优势，加大技术创新力度，形成范围经济效应的若干途径来提升洛阳国有银行的经营绩效与竞争能力。

关键词:洛阳；规模经济；成本曲线；管理效率

Research on the Luoyang commercial banks scale under the theory of economies of scale
 
Abstract: Recent years has seen a heated discussion on the issue of commercial banks’ scale in China. Regarding to the existence of commercial banks’ economy of scale, it never makes a consistent agreement of this topic. Different Scholars holds different opinions about this problem. There are some scholars thinks the commercial banks’ economy scale do not exist, while the others believe the economy scale of commercial banks. Therefore, the commercial banks’ economy of scale becomes a focus in academia. However, this paper put aside the argument for economy of scale, Based on the economies of scale frame, carries on the analysis to the Luoyang commercial banks present situation, using the economies of scale theory, discovers the characteristic of economies of scale and the determination its best management scale from the view of Luoyang commercial bank’ economy of scale and economy scope in terms of how to improve the Luoyang state-owned commercial bank’ efficiency with a systematic and comprehensive study. Advocate transformation and integration of Luoyang state-owned commercial banks without large-scale operation branches, through improving the management efficiency of Luoyang state-owned commercial bank. Through the business development, forming range economic effect with a number of ways to improve the operating performance and competitiveness of Luoyang state-owned commercial bank.

Key words: Luoyang   economy of scale   the curve of cost   management efficiency

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