中国商业银行市场结构与市场绩效分析

Research on the Market Structure and Performance of Chinese Commercial Bank

目前,中国商业银行寡头垄断的市场结构仍十分明显。国有商业银行虽然维系了资产规模的垄断结构,却没能取得维系垄断结构所应获取的垄断优势效应。造成这种状况的主要原因在于中国商业银行的垄断格局并非是在市场竞争的结果,而主要是由历史因素、行政手段所导致的。商业银行的市场结构再造,必须在借助政府力量重组现有商业银行结构体系的同时,降低行业进入壁垒,导入有效竞争。

At present, the monopoly structure of Chinese commercial bank is still obvious. Although state -owned commercial banks sustain their monopoly on the property scale, they cannot obtain the advantage of this structure. The reason of it is that the monopoly state of Chinese commercial banks are not the result of market competitions but the outcome of historical and administrative factors. To reform the market structure of Chinese commercial bank, we should use the power of our government to reorganize the existing system of commercial banks and lower obstacles at the same time in order to develop effective competitions.