宋儒《中庸》学之滥觞——从经学史与道学史的视角看胡瑗的《中庸》诠释

中小银行比较优势需要内外部多方面因素配合,中美中小银行的实证检验表明：宏观环境、市场结构、经营模式和公司治理四个因素对中小银行经营绩效存在显著影响。其中,宏观环境是中小银行生存和发展的基础,适度的市场竞争是中小银行形成比较优势的外部压力,经营模式和公司治理是中小银行比较优势形成的内因,四个因素相互配合才能促进中小银行比较优势发挥。

On Hu Yuan 's Interpretation of ZhongYong

Small-and-medium banks'' comparative advantage on the relationship lending is the basis for researching in the impact factors of their performance. With their comparative advantages, small-and-medium banks can achieve good performances and play an important role in serving local economy. The comparative advantage is built on the effects of both internal and external factors, so the impact factors of performance include macro environment, market structure, business model and corporate governance. The empirical tests of small-and-medium banks in US and China prove that these four factors significantly affect their performances. Macro environment is the foundation of small-and-medium banks'' development. Moderate market competition provides the proper pressure for comparative advantage. Business model and corporate governance should combine to make the advantage fully play.