| 中国银行业的市场结构与竞争行为 |
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| 引用本文： | 李艳虹.中国银行业的市场结构与竞争行为[J].贵州财经学院学报,2008(5). |
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| 作者姓名： | 李艳虹 |
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| 作者单位： | 暨南大学,金融系,广东,广州,510632 |
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| 基金项目： | 教育部全国优秀博士论文专项资金项目，国务院侨务办公室人文社会科学基金 |
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| 摘 要： | 目前中国银行业具有集中度适中、产品(服务)客观差异性较低、国有商业银行规模不经济、政策法律制度壁垒森严的市场结构特征.在竞争行为方面,中小商业银行存在价格竞争行为,国有商业银行存在一定的产品竞争优势,中国银行机构之间的兼并收购行为较少.对此,今后应从降低准入条件、引进更多的银行转变为重视竞争效率的提升,继续实行存款利率管制,允许贷款利率在一定范围内浮动,完善银行治理结构,发挥地方性中小银行优势拓展业务,避免外资金融机构势力在中国扩张过快.
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| 关 键 词： | 中国银行业 市场结构 竞争行为 |
Market Structure and Competitive Behavior of China's Banking Industry |
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| LI Yan-hong.Market Structure and Competitive Behavior of China's Banking Industry[J].Journal of Guizhou College of Finance and Economics,2008(5). |
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| Authors: | LI Yan-hong |
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| Institution: | LI Yan-hong(Department of Finance,Jinan University,Guangzhou,Guangdong 510632,China) |
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| Abstract: | At present,China's banking industry has such characteristics in market structure as: a moderate centrality,a lower objective difference of products,not-economic scale of state-owned commercial banks and strict barriers of the policy and legal system.In competition,there is price competition between the small and medium-sized commercial banks.The state-owned commercial banks have some product competitive advantage.There are little mergers and acquisitions among Chinese banking organizations.Therefore,from no... |
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| Keywords: | banking industry market structure competitive behavior |
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