A Empirical Analysis Of Scope Economics In China Banking

The scope economics of banks is not only a theoretical problem, but also a empirical problem. The study on Scope economics in Chinese banking can provide a theoretical explanation for the "Mixed trend" in financial industry and the diversification of our commercial banking business. Thus has an important meaning. this article using Industry organization theory in micro-economics, Analyzed the theoretical basis of the existence of scope economics in commercial banks And then combined with the actual high concentration situation in Chinese banking, selected 14 large commercial banks as the sample, using the data provided by "China Finance Yearbook" and each banks'annual reports over the years between 1996 and 2008,tested the scope economics of Chinese banking. Finally, using the result of theoretical and empirical test, combined with the reality environment of Chinese banking, provided some recommendations to improve the scope economics of Chinese banking.This thesis is divided into four parts. The first part summarized the theory of scope economics, focused on the factors of scope economics of banks in theoretical ways. The second part studied the Current situation of scope economics of our commercial banks. The third part using 14 large commercial banks as the sample tested the scope economics in china banking. The last part based on the theoretical analysis and the empirical test, provided some suggestions to improve the scope economics of our commercial banks.