从“网点优势”看加入世贸后四大银行网点改革

加入WTO后,我国四大银行如何应对外资银行的冲击成为人们普遍关心的话题。在四大银行与外资银行的优势对比中,大部分人认为其具有网点优势。然而,实证分析表明,四大银行市场集中度高、资产收益率低,表现出明显的规模不经济。客观分析我国加入WTO后,四大银行的网点优势对从增量改革与存量改革两个方面提出网点改革的构想不无裨益。

Institutional Reform of the Four Major National Banks based on "Web-predominance"After China Joined the WTO

After China joined the WTO, many people concern the Chinese banking competition. Compared the four major national banks with the foreign banks, most people believe that the former ones which have multitudinous institutions have the predominance. However, the demonstration shows that the asset output of Chinese banks are low though they .occupy most of the asset share. This article impersonally analyzes the predominance of the four major national banks, and put forward some advice about institutional reform from two aspects.