通存通兑的利益分配机制与最优费率

发布时间：2018-01-15 03:02

本文关键词：通存通兑的利益分配机制与最优费率　出处：《中国经济问题》2012年02期 　论文类型：期刊论文

【摘要】：旨在提高金融运作效率和增进银行业竞争的惠民业务——跨行通存通兑一经央行推出,便受到市场的冷遇,陷入困境。大型国有商业银行高额的手续费将消费者阻挡在外,导致通存通兑业务的名存实亡。因此,建立合理的利益分配机制使各商业银行积极推动该业务已迫在眉睫。本文正是在这样的背景下引入了"交换费"这样一种利益转移分配机制。研究表明,这种机制有效促进了不同规模银行间通存通兑业务的市场竞争,降低了通存通兑业务的价格门槛。而且,最优的交换费率充分体现了通存通兑利益转移支付机制以覆盖代理行成本、不损害开户行利益的"双赢"理念,并极大改善了社会总福利。文章结论将有助于解决当前我国通存通兑的困境,并为央行制定合理且合适的交换费率提供了参考。
[Abstract]:In order to improve the efficiency of financial operations and enhance competition in the banking sector -- Huimin business interbank deposit and withdrawal by the central bank launched by the market cold, large state-owned commercial banks in trouble. The high fee will be blocked in the consumer, leading to the USW business name exist. Therefore, establish a reasonable profit distribution mechanism the commercial banks to actively promote the business has been imminent. This is the "exchange fee" is introduced in the context of such a transfer interest distribution mechanism. The results show that this mechanism effectively promote the banks of different sizes between the USW business competition in the market, reduce the price threshold. The USW business and exchange the optimal rate fully reflects the interests of the USW transfer payment mechanism to cover the agency cost, does not damage the interests of the bank "win-win" concept, and greatly improve the service Will the total welfare. The conclusion will be helpful to solve the current predicament Tongcuntongdui, and provide reference for the central bank to make exchange rate reasonable and appropriate.

【作者单位】：南京大学;
【基金】：国家自然科学基金项目(批准号70972032)“双边市场中企业战略行为的理论与实证研究” 国家社科重点项目(批准号08AJY029)“我国应对国际金融风险的对策研究”的阶段性成果
【分类号】：F832.2
【正文快照】： 一、引言在经过充分准备之后,央行于2007年11月19日正式将小额支付系统跨行通存通兑业务上线推行。但这项旨在提高社会福利的惠民业务一经推出便饱受争议,争议的焦点是商业银行办理该项业务的手续费过高,造成银行在该业务上的业务量几乎为零。尤其是四大国有商业银行对该项业

【共引文献】