中小银行跨区经营的特征及其影响因素  

SMBs’ Trans-regional Operation: Characteristics and Determinants

作　　者：李广子[1] 

机构地区：[1]中国社会科学院金融研究所

出　　处：《金融评论》2013年第1期66-77,124-125,共12页Chinese Review of Financial Studies

基　　金：国家自然科学基金青年基金项目(编号71202133);2012年度国家社科基金重大项目(编号12&ZD086);中国社会科学院青年中心2012年度国情调研项目"我国中小银行跨区经营情况调查"的阶段性研究成果

摘　　要：基于149家银行样本,本文对我国中小银行跨区经营的现状、模式及其影响因素进行了分析。主要发现包括:(1)跨区经营在中小银行中已较为普遍并呈逐年加快趋势,但真正实施跨省经营的还较少;(2)跨区设立分支行、跨区参股银行是中小银行实施跨区经营的主要模式;(3)经营状况好的中小银行实施跨区经营的可能性更高,本地区信贷资金需求不足是中小银行实施跨区经营的重要原因,跨区经营模式选择受改制时间、贷存比、银行类型等因素共同影响;(4)不同类型、不同行政层级中小银行在跨区经营步伐和模式选择上存在一定差异。Based on a sample of 149 SMBs (Small and Middle Banks) in China, this article investigates the facts, modes and determinants of SMBs’ trans-regional operations in China. Major findings include: (1) The majority of SMBs have implemented trans-regional operations. However, inter-provincial trans-regional operations are still very rare. Moreover, trans-regional operations in SMBs were accelerating in recent years. (2) Establishing trans-regional branches, holding shares in trans-regional banks are two major modes for SMBs’ trans-regional operations. (3) As for factors that may affect SMBs’ trans-regional operations, SMBs in good conditions are more likely to implement trans-regional operations. Besides, the lack of demand for credit funds in domestic region is an important factor for SMBs to implement trans-regional operations. The choice of different modes of trans-regional operations is affected by many factors, such as age, loan-to-deposit ratio, bank type, etc. (4) For SMBs of different types and of different administrative levels, there is big difference in their paces and choices of trans-regional operation modes.

关 键 词：中小银行 跨区经营 经营模式 

分 类 号：F832.33[经济管理—金融学]