【摘要】 本文运用产业组织理论对我国银行业的结构、行为与市场绩效进行分析 ,认为目前我国银行业的市场结构具有较为明显的寡头垄断特征 ,国有产权占绝对垄断地位。国有银行的垄断来自传统惯性、行业进入管制与较高的退出壁垒。从行业集中度指标判断 ,我国银行业现存的产业化进程迟滞、行业规模不经济、国有商业银行盈利能力下降等因素制约着整个银行业市场绩效的提高。一旦政策性进入壁垒放开 ,高效的进入者将对原行业成员构成强有力的竞争威胁。同时 ,法律规制不力、信用低下、信息不对称、激励约束机制不健全等制度框架 ,导致银行业市场竞争不足、市场行为异化。要解决上述诸多问题需要各方的共同努力。更多还原

【Abstract】 This article aims to analyze the market structure, behaviors and market performance of China banking industry under the guidance of the Theory of Industrial Structure. It concludes that oligopoly is one of the implicit features of China banking market,and state-owned property takes the monopoly position in the market. The monopoly power of the state-owned banks was originated from their historical positions, and is based on the regulation obstacles of market entry and market exit. From the indicators of industry concentration, it can be found that banking performance is restricted by the sluggish progress of banking commercialization, non-economies of scale, and decline of state-owned banks’ profitability. Once the policy obstacles of market entry are removed, the efficient new market participants will be the strong competitors to the original banking institutions. Nevertheless, the market may be disordered due to the low credit worthiness, non-symmetry information problems, and deficiency of stimulation institution in the state banks. All the relevant factors of the banking industry should be explored to address the problems.更多还原