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1·First, this paper regards commercial banks as a monetary contract which creates and distributes organizational quasi-rent, thus the status-quo of each negotiator dominates ownership allocation.

本文认为，商业银行是一个关于组织准租的创造与分配的货币经营型市场契约，决定银行所有权配置的根本性条件是各签约人的“谈判实力”。