中国银行业结构的合意性

A Favorable Banking Structure in China

合意的银行业结构既不是自由竞争也不是高度集中和垄断。有些原来银行业高度垄断的国家试图在更大的范围内引入竞争,而另一些一贯主张银行业自由竞争的国家又出现了前所未有的兼并浪潮,这种趋同性在某种程度上说明银行业的竞争和集中垄断各有其优势和不足之处。转型经济与发展中国家的银行业结构与银行体系稳定性之所以密切相关,是因为政府的干预及其干预成本所造成的经济代价和社会代价。基于此,中国银行业的重构在所难免。

A favorable banking structure is neither free competition no monopoly. Some countries with high monopoly banking industry now introduce competition to greater extent, and others with high free competition just come into more accquisition. This trend tells us that competitive and monopoly - banking structure have their advantages and disadvantages respectively. The paper points out that there is a very close relation between banking structure and the banking system stability in those transitional and developing countries, because there are economic cost and social cost caused by government intervention.