【摘要】 至今为止的文献并没有从理论上清楚解释银行收取小额存款人账户管理费的原因。通过尝试从银行获取行业正常利润率角度,建立银行提供的服务与存款账户最低余额之间的关系模型,寻找银行收取小额存款人账户管理费的理论依据。此外,还运用契约理论,从存款契约治理角度分析账户管理费对存款人的激励与约束机制。分析认为银行收取小额存款人账户管理费不仅可以弥补成本,而且还具有稳定存款人行为的功能。更多还原

【Abstract】 There are few literatures to explain why banks their charge petty cash depositors. From the view of bank profit, this paper tries to develop a balance model between the services cost of bank and the depositors’ cash amount. The incentive and restraint mechanisms to depositors by small charges are also examined according to the contractual theory. The analysis shows that the function of monthly fee can not only be used to cover the cost but also to stabilize the behavior of the depositors.更多还原