银行收取小额存款人账户管理费的理论依据  

Theoretical Analyses of Banks Charging Petty Cash Depositors

作　　者：张桥云[1] 李贤[1] 

机构地区：[1]西南财经大学金融学院,四川成都610074

出　　处：《财经理论与实践》2008年第1期17-23,共7页The Theory and Practice of Finance and Economics

基　　金：2006年国家自然科学基金资助项目"开放与竞争条件下我国银行存款产品设计创新研究"(项目批准号70573084)的阶段性研究成果

摘　　要：至今为止的文献并没有从理论上清楚解释银行收取小额存款人账户管理费的原因。通过尝试从银行获取行业正常利润率角度,建立银行提供的服务与存款账户最低余额之间的关系模型,寻找银行收取小额存款人账户管理费的理论依据。此外,还运用契约理论,从存款契约治理角度分析账户管理费对存款人的激励与约束机制。分析认为银行收取小额存款人账户管理费不仅可以弥补成本,而且还具有稳定存款人行为的功能。There are few literatures to explain why banks their charge petty cash depositors. From the view of bank profit, this paper tries to develop a balance model between the services cost of bank and the depositors＇ cash amount. The incentive and restraint mechanisms to depositors by small charg- es are also examined according to the contractual theory. The analysis shows that the function of monthly fee can not only be used to cover the cost but also to stabilize the behavior of the depositors.

关 键 词：小额存款人 账户管理费 

分 类 号：F830.1[经济管理—金融学]