【作者】 魏琳；

【导师】 张国；

【作者基本信息】 福建师范大学 ， 产业经济学， 2013， 硕士

【摘要】 金融业是现代经济运行的核心,银行是金融业的主体。中国银行业改革历经30多年艰难探索,逐步建立起多层次、多元化的市场体系,竞争化程度明显提升。同时,我国银行业在公司治理水平、经营模式转型、金融产品创新等方面取得重大进展,资产质量和竞争力显著提高。2008年全球金融危机以来,由于市场机制不完善和资金配置失衡引发的市场风险,使我国银行业面临重大挑战,映射出中国银行业潜在的诸多问题。如行政性垄断导致效率低下,利率市场化改革有待深化,资产质量、产品和服务差异化程度亟待提高,这些问题阻碍了我国银行业的进一步健康发展。因此,优化市场结构、提升竞争力,仍是当前和未来较长时期我国银行业面临的重大课题。本文从产业组织理论出发,以SCP范式为分析框架,对当前我国银行业的市场结构、市场行为和市场绩效,以及三者之间的相互关系进行了全面考察。建立了适用于我国银行业市场结构分析的研究框架,提出了改善我国银行业市场结构的政策建议。同时,本文将竞争力理论融入分析模型中,并作为SCP框架的补充,以探索我国银行业市场结构以外影响行业发展的因素。并提出了如何促进各银行提高自身竞争力的战略对策,进而和产业组织政策有机结合,达到提升我国银行业效率和竞争力,实现中国金融业稳定、健康发展的战略目标。更多还原

【Abstract】 Finance industry is the core of modern economy. And banking is the main body of finance industry. Through more than30years’ hard exploration and reform, a multi-level and diversified banking market system has been established gradually. Obviously, the degree of competition of Chinese banking industry also been improved. Meanwhile, the corporate governance structure, the transformation of the business model and the financial innovation are promoted, as well as, the asset quality and competitiveness is improved. However, the market mechanism and the capital allocation are incomplete, so that our banking industry is facing a great challenge and many potential revealed problems since the global financial crisis in2008. For instance, administrative monopoly leads to low efficiency, the reform of the interest rate marketization needs to be deepened, the asset quality and the differentiation of products and services also needs to be improved. These problems effect the healthy development of our banking industry. Therefore, how to optimize the market structure and enhance competitiveness still is the major issue which our banking industry faces to both currently and in the future.Based on the perspective of industrial organization theory, this paper uses SCP paradigm as the framework to make a comprehensive analysis of the market structure, the market behavior and the market performance of Chinese banking industry, as well as the relationship between the three elements. Then established a suitable analysis framework and proposed policy suggestions to improve the banking market structure. Simultaneously, as a supplement of the SCP frame, the competitiveness theory is integrated into the analysis model, to explore other factors, except Chinese banking industry market structure, which influence the development of banking industry. In order to realize the strategic objectives about the stability and healthy of Chinese financial industry, combined with the industrial organization policy, strategies are proposed to improve the efficiency and competitiveness of our banking industry.更多还原