Study On Scale Economics Of The Development Of The Commercial Banks In China

China has joined the World Trade Organization formally, which signs our undertaking opening to the outside world has entered a new stage. Finance open made the capital controls system of China broke progressively while the finance was integrated. Finance is the core of economic, bank is the pivot of the finance, how to improve the competitiveness of banking becomes the focus that we pay close attention to. Efficiency is the concentrated reflection of banking's competitiveness, so improve the efficiency of banking is the base of taking precautions against financial risks, promoting banking's sustainable development. The scale of economics has reflected the relation between scale and cost, having important influence on business efficiency and cost efficiency, thus play an important role on the efficiency of the bank.This text started from general principle of the scale economics, explained the reason why the scale economics of commercial banks formed and influence factors, then combined the actual conditions of the scale economics of commercial banks of our country, introduced its present market structure, profitability, mobility, security and competition pattern briefly. Meanwhile, set up scale and measure function, expected from the scale to finding the appropriate scale of the commercial bank of our country in the change law of the cost.Through comparing the state commercial banks with the commercial bank of the shareholding system and compare the state commercial banks, the commercial bank of the shareholding system with itself, we have drawn the following conclusion: the characteristic of the commercial bank of our country is the larger ones are not strong and the strong ones are not big, which embodied in it is uneconomical in the four major state-owned commercial banks of our country; ten shareholding system commercial banks are in the scale of economy production area, but have not reached the best scale. Meanwhile, the competition of the whole banking is in low-levelly.Direct against the characteristic of the economic scale of the commercial bank of our country, propose the following policy recommendations, in order to improve its current situation from aspects of microcosmic and macroscopic, thus give full play of the economic scale:First, accelerate the shareholding system of the state-owned commercial bank, set up pluralism, modernized property relations of commercial bank;Second, perfect the corporate governance structure of the new developing shareholding system commercial bank;Third, promote the M&A of the commercial bank, finally set up the modern bank system which has international competitiveness, in order to meet the challenge that the foreign bank brings after the entry into WYO.Forth, improve the current situation of oligopsony and competing with low-levelly and excessively, structure the market pattern of effective competition of bank system of our country.