Game And Coordination Of The Interests Of Commercial Banks Research

As a more and more important interest principal part in China's market economics in the new time, commercial bank is the basic of the spirit of enterprisers' running up, the catalysts for industrialization, and the significant channel of the monetary policy. In the new time, the relationship between the commercial bank and its stakeholders turns out new changes. Giving the interruption of the central and local government, the interest relationship is so complicated that we should study the root of the interest relationship from the view of the interest in order to harmonize the interest relationship and prove the development of economics and society.After making clear the principal interest parts of the commercial bank, we spread 6 main parts of the whole study using both the empirical and academic approach. Our main viewpoints are as follows. First, the source of the commercial banks' interest is multiform, uncertain and replicable, but the profit of the commercial bank will be increasing in the long run. In order to keep the profit margin of bank as the same with the social one, the extent of the competition in the market should be raised. Second, the interest relationship of commercial banks is multiply, dynamic and unstable. They game with many different principal interest parts and are on a good wicket all the time. The way to avoid interest's concentrating in commercial banks is also to build an efficient competition system. Third, the interest of commercial bank is not weakened since the development of the capital market, but is more and more. The solutions are also to reduce the admittance standard to increase the competition of the market. Forth, the competition between the foreign bank and the local bank is not enough. The foreign banks are in the green tree in the high-end customers market, and the interest of the local banks is impaired in the initial stages of the gaming. So it is essential to upgrade the market sense and competitiveness of the local commercial banks through changing the inside and outside circumstance. Fifth, in reality the interest of commercial banks is affected by central and local government. These affects are good for commercial banks in the short run but bad in the long run. The fundamental approach to this problem is governments' withdrawal from the bank at all levels. Sixth, the market structure of the commercial banks is insufficient because of the layout of the state owned banks, so the strength in pursuing the catalyst interest is decentralized and the enormous profit brought along by leading industries is not obtained. The approach to solve this problem is pruning the sub-branches of the large commercial banks. Seventh, the monopoly position of the commercial banks is protected by the right, which is also the reason of boom of the black market finance. This is bad for the interest of the commercial banks in the long run. The solution to this problem is to reduce the admittance standard of commercial banking industry to make black market finance be legal. Eighth, in the reality the supervision interest is focused on but the profit of interior governance is ignored. The method to resolve it lies on standardize the supervise approach.