经营环境变迁与银行业发展——基于欧洲银行业的分析  

Operating Environment Changes and the Development of Banking—An Analysis Based on the European Banking

作　　者：王志军[1] 

机构地区：[1]南开大学经济学院金融学系

出　　处：《南开学报（哲学社会科学版）》2009年第1期10-16,共7页Nankai Journal:Philosophy,Literature and Social Science Edition

基　　金：教育部规划基金项目(07JA790089);天津市社科项目(TJYY07-1087)

摘　　要：20世纪80年代以来,放松管制、金融市场发展以及技术进步为代表的经营环境变化,推动全球银行业发生了根本性的结构变革。经营环境的变化使商业银行传统优势地位受到侵蚀,银行业市场可竞争性增强,商业银行在巨大经营压力下的应对战略是通过并购重组实施规模化与综合化经营,最终使银行业的市场结构以及资产和收入结构发生根本性的变化。Since 1980s, great changes have taken place in the environment in which banks operate. The combined effects of these changes as the deregulation, evolution of financial markets and technical advances, have ftlndamentally transformed the banking industry. This paper, based on the banking theory and the experience of development in the European banking sector, explores the relation between operating environment change and the banking structural evolution. We find that, the great changes have eroded the foundation for banks＇ existence and development, increasing the banking market contestability. Facing the circular pressures, the banks responded bv consolidation to achieve the scale and diversification. This accommodative strategy leads to the fundamental structural transformation in banking industry.

关 键 词：商业银行 环境变迁 发展趋势 欧洲 

分 类 号：F832.2[经济管理—金融学]