社会信用文化、金融体系结构与金融业组织形式  

Social Trust,Financial System Structure and the Organization Structure of Banking Business:International Evidence

作　　者：陈雨露[1] 马勇[2] 

机构地区：[1]中国人民大学财政金融政策研究中心,邮政编码100872 [2]中国人民银行成都分行,邮政编码610064

出　　处：《经济研究》2008年第3期29-38,共10页Economic Research Journal

基　　金：教育部人文社会科学重点研究基地重大项目"现代金融体系下银行混业经营的风险与监管体系"(05JJD970027)资助

摘　　要：本文以银行业绩效为依托,纳入社会信用文化这一新的影响因子,试图在一个更广阔的层面上综合考察决定金融业绩效的各种因素,并尝试在这一过程中探求社会信用文化、金融体系结构和金融业组织形式及其绩效表现之间的内在联系机制。实证结果表明,社会信用文化对金融体系的效率和金融体系结构的选择具有重要影响,而法律传统、政府治理及管理能力也在金融体系结构和金融业组织形式的选择上起着重要作用,并最终影响到金融业运行效率。Incorporating the impact factor of social trust, this paper investigates various factors that decide the efficiency of the financial sector performance on a broad foundation. In this paper, we try to find out the internal relationship between social trust, financial system structure and the financial performance. Empirical analysis shows that social trust has a significant impact on the efficiency of the financial＇ system and the choice of the financial strueture. More over, the origin of law tradition and the governance quality of the government also exert a profound influence on the financial system structure and this in turn affects the efficiency of the financial sector.

关 键 词：社会信用文化 金融体系结构 金融业组织形式 

分 类 号：F830.3[经济管理—金融学]