存贷相联与银行的本质——基于KRS模型的扩展
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引用本文:江曙霞,何建勇.存贷相联与银行的本质——基于KRS模型的扩展[J].财经理论与实践,2010,(4):2-7
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作者单位
江曙霞 (厦门大学 金融系福建 厦门361005) 
何建勇  
中文摘要:作为集吸收公众存款和发放贷款于一身的金融中介,银行在整个金融体系中始终处于关键地位。既有文献对银行特质性问题进行了深入探讨,本文在KRS模型的基础上,进一步从理论上研究了活期存款、贷款承诺和定期贷款这三者之间的协同效应,认为金融功能的一体化是银行的本质所在,并结合20世纪90年代以来美国银行业转型的事实进行了初步实证考察,由此提出银行制度边界的命题。
中文关键词:存贷相联,交易成本,银行的本质,KRS模型
 
Deposit Loan Synergies and the Nature of Banks: An Extension on KRS Model
Abstract:As financial intermediation that attracts deposits from and offers loans to the public, banks have always been of the center of a financial system. In this paper we tried to extend KRS model for further studies on the synergic effects among demand deposit, loan commitment and term loan. Empirically analyses were done about the fact of banking transition in America from 1990s. A proposition was put forward that where is the institutional boundary of banks.
keywords:Deposit Loan Synergies  Transaction Cost  Nature of Banks  KRS Model
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