我国银行业产业组织优化的路径分析

文章以相关产业组织理论为依托,以成熟的市场经济国家现代商业银行制度为参考,探讨适合我国银行业产业组织优化的途径.文章指出,我国银行业产业组织优化的过程就是在保持"寡头主导,大、中、小共生"的市场结构下,通过利益集团的推动来促进准市场组织的发展,途径有:通过国有银行的股份化改造来组建银行控股公司、通过中小商业银行利益集团的推动来建立银行战略联盟以及拥有民营资本的新兴利益集团以产权改造方式建立民营银行,从而实现我国银行业金融机构组织的合理化;同时通过准市场组织的发展可以促进银行机构之间的合作竞争代替古典竞争,达到银行机构市场行为的合理化,提高我国银行业的市场绩效,提升我国银行业的整体竞争能力.

The Analysis on How to Improve the Chinese Bank Industrial Organization

The article on the basis of the theory of industrial organization and with reference to the system of the modern commercial bank in the mature market-economy researches into the route of improving the Chinese bank industrial organization.The article points out,the process of rationalizing the Chinese bank industrial organization must be to promote the development of Quasi-market organization by the push of the interest groups on the condition of keeping the market construction "The oligarch predominate,the ...