吸存金融中介存在原因的经济学解释:比较与综合

以商业银行为代表的吸存金融中介机构为什么会存在的问题 ,就其必要性来讲 ,有“风险说”、“交易成本说”和“信息说”三种主流观点。剖析三者之间的内在联系 ,指出节约信贷交易中的交易成本是最根本原因。就可能性来讲 ,分工经济和范围经济是吸存金融中介机构交易成本节约的源泉

The Economical Explanation about Why the Deposit Financial Media Exist : Comparison and Synthesis

We discussed why the deposit financial media, such as commercial banks and so on,exist in this paper. As to the necessity, thare are three mainstream thories, risk theroy, transactional cost theory, and information theory. We analyzed the inherence affiliation beeween the tree mainstream theories, and found that the transaction cost theory was the most fundamental reason for our problem. As to the feasibility, we believed that through economy of dividing and economy of scope the deposit financial media can save their transactional cost.