Abstract

Through analysis of the particularities possessed by commercial banks comparing with general industrial and commercial enterprises, this article put forward four particularities including the high risk, the particularity of the credit market, the particularity of bank product and the particularity of the bank industry. Based on these particularities, we should not follow the common enterprise theory in the industrial organization theory when we analyze the functions and behaviors of commercial banks, and we must understand the optimal selections of commercial banks according to their particularities and limit conditions.

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