中国银行业论文：中国银行业市场结构研究
【中文摘要】改革开放30年以来,中国银行业由之前人民银行“大一统”的完全垄断格局逐步演变为以中央银行为核心、国有商业银行为主体、政策性银行、股份制银行、外资银行等多元化银行机构共同竞争的新格局。同时,中国银行业在经营发展方面取得了显著的成绩,银行规模和实力迅速壮大。本文首先梳理了中国银行业发展进程,然后使用产业组织理论中的Panzar-Rosse模型对中国银行业市场结构进行了计量分析。本文在进行回归分析时,使用1999-2009年国内14家商业银行的样本数据进行估计检验。考虑到中国在2001年加入世界贸易组织后,中国金融界便逐步对外开放,特别是2003年起中国的国有银行进行了一系列深层次的改革,因此本文以2003年分界点,将1999-2009年分成两个时间段,即1999-2003年和2004年
-2009年两个阶段分析中国银行业市场结构的变化。通过对中国银行业市场结构的实证分析发现,中国银行业目前处于垄断竞争的市场结构之中,并且竞争程度随着银行业开放程度的加深有增强的趋势。结合Panzar-Rosse模型测算出的H统计量。针对目前中国银行业的市场竞争程度虽有提高但是行业整体的竞争程度仍不足的现状,本文针对其形成原因进行了简单的分析,主要是银行业开放程度有限、进入壁垒过高、银行监管失效、创新能力不足和收入模式有限四个原因对中国银行业的竞争状态影响显著。随后,本文就我国银行业竞争中存在的现实问题来提出相关的对策建议,从加大银行业开放程度降低市
场进入壁垒、加强银行监管、提高金融创新和推动利率市场化进程四个方面提高银行业的竞争水平,提高金融资源的使用效率,实现金融
资源的优化配置。
【英文摘要】The banking industry of China has played an important role in the lifeline of the national economy. Since the Reform and Opining , the structure of Chinese banking industry has developed form“one-bank”market system to a diversified market system , which is composed by the central bank、the political banks、the joint-stock commercial banks and the foreign banks .At the same time , the banking industry of China has made a great performance in managing , it has expanded its proportion a lot . In the beginning , the paper makes a line of banking industry in China ,then based on the Industrial Organization theory , the paper utilize the Panzar-Rosse model to estimate the market structure during 1999-2009 . In this part, the paper choose 14 national banks as the sample. To further study , we divided the whole period into two time
periods ,1999-2003and 2004-2009,with the consideration of China’s accession into the WTO, and the impact on the opening of Chinese banking industry.Through the empirical analysis, we find that the structure of China’s banking industry belong to the monopolistic competition structure, meanwhile the
competition degree has strengthened gradually with the accession to the WTO. In the empirical analysis we also could find the performance of China’s banks are getting better than before, with the help of Panzar-Rosse model, we find out the causes of the structure and the performance . We take
per-capital cost rates、cost rates and capital cost rates into account ,to find a way which could improve the performance of banking industry . Finally, in the view of the current state of the industry, we propose four related solutions: improving the financial markets to enhance the interest rate liberalization, deepening the reform of commercial banks, enhancing the capability of financial innovation, lower the barriers as well as wilder the opening degree of Chinese banking industry .
【关键词】中国银行业市场结构 Panzar-Rosse模型
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【英文关键词】Banking Industry of China Market Structure Panzar-Rosse Model
【目录】中国银行业市场结构研究中文摘要4-5英文摘要5一、引言7-14（一）选题背景和研究意义7-8（二）国内外研究现状
