核心存款比率与商业银行贷款出售  

The Ratio of Core Deposit and Commercial Bank's Loan Sale

作　　者：吴许均[1] 孙友罡[1] 贾育峰 

机构地区：[1]上海财经大学金融学院工商管理学院,上海200083 [2]上海浦东发展银行空港支行,上海201202

出　　处：《山东工商学院学报》2005年第2期36-38,42,共4页Journal of Shandong Technology and Business University

摘　　要：通过一个银行和储户的一期博弈模型,证明了核心存款比率的高低能极大影响银行在贷款出售时的信息披露策略。这说明,核心存款对于商业银行的经营管理具有重大意义,银行的高级管理层和研发部必须对核心存款进行全面细致地研究和管理。Through a one period game model between bank and depositors, this paper argues that the quantity of the ratio of core deposit can greatly affect bank's information disclosure strategy when loans are sold. This result displays the importance of core deposit to commercial bank's operation and management. The bank's senior management and R&D department are supposed to cast complete and delicate research and management on core deposit.

关 键 词：商业银行 核心存款比率 贷款出售 博弈 

分 类 号：F830.33[经济管理—金融学]