Study on the Optimum Scale of City Commercial Banks under the Market Risk Constraints
研究发现城市商业银行实际规模已超过考虑市场风险后的最优规模，利率浮动和存贷比会影响偏差，监管者应通过差异化监管引导银行控制规模。
The actual size of city commercial banks has exceeded their optimal size considering the market risk.Further research shows that,the floating interest rates and the level of loan- to- deposit ratio will have an impact on the deviation between real size and the optimal scale.Therefore,regulators should focus on the target of financial stability and servicing the real economy,fully consider the impact of the market risk in the process of financial reform,and guide and encourage the city commercial banks to control their size by differential regulation.As for the city commercial banks whose capital are adequacy and well supporting SMES,regulators can relax the control of interest rate level and the loan- to- deposit ratio to make them achieve high yield with the capital adequacy ratio moderately decreased.For the city commercial banks,the regulators should insisted on interest rates and loan- to- deposit ratio control,in order to increase the pressure of size constriction.