The Research Of Economies Of Scale Of Industrial Bank

Our country monetary system reform march, and so on 12 joint stock system commercial bank has provided the good development opportunity for the promoting education bank, simultaneously also requests its science to process the good service fast growth, the scale high speed expansion and between the maintenance good management efficiency contradiction reasonably, namely economies of scale question. In view of the fact that the economies of scale question already became Chinese Joint stock system Commercial bank in the market competition intensely, the financial product hastens the homogeneity, under day by day the automated technology rapid development situation, reduced transport business cost, the enhancement grade of service and the efficiency, the enhancement core competitive power strategic question, had certain reality and the theory significance to this proposition research.Economies of Scale reflect the varying relationship between management scale and cost benefit, which has important influence on operational efficiency, as well as play a key roll in the bank efficiency. The big bank has the scale superiority, but the bank scale is not bigger better, must receive factor and so on market mechanism, banking system, management system as well as financial innovation influences, this question already obtained the Chinese each kind of bank attention.Although Industrial Bank has made rapid progress and the management level has improved obviously these years, there is still some unsound development in some branch banks, such as neglecting cost and risks, seeking the expansion of scale as the mere purpose. This unsound development will impair the long-term benefits of banks, disturb financial order and increase financial risks. Nowadays, market competitions become fiercer; financial products tend to same quality; automation techniques develop quickly.This thesis expounds the related theories of Economies of Scale; introduce the reasons and influencing factors of the formation of Economies of Scale of commercial banks. Through the analysis of examples of domestic and overseas commercial banks, which carry on Economies of Scale, the causes and representation of Diseconomies of Scale of Industrial Bank will be found out. This thesis also probes into the proper standard for realizing Economies of Scale of Industrial Bank. In the end, it puts forth the means and measures to realize Economies of Scale.