我国商业银行小额账户收费动因研究

2005年以来,我国主要商业银行相继出台了小额账户清理和收费措施,本文首先分析清理小额账户的直接动机,进而通过中美两国银行业数据进行比较,运用理论阐述和实证分析说明小额账户政策调整的深层次原因在于减小系统压力、改善银行收入结构和分散风险,并提出了小额账户收费改革中可能面临的问题及解决对策。

The Study on Motivations for Chinese Commercial Banks to Collect Service Fees on Small Sum Personal Accounts

Since 2005, major Chinese commercial banks have successively launched the new policies to liquidate and collect service fees on small sum personal accounts. This thesis first analyzes the direct motivations to liquidate small sum personal accounts and then makes a comparison between Chinese commercial banks and their American counterparts with data. The theoretical discussion and empirical studies indicate that the deep reasons for such policy adjustment in small sum personal accounts lie in the following: to reduce the settlement system pressure, to optimize banks' income structure and to control the risk. Furthermore, it presents the possible problems and countermeasures in the service fee reform of small sum personal accounts.