论银行业反垄断的相关市场界定

The Market Justification of Anti-monopoly in the Banking Industry

银行业掌控着国家的经济命脉,关涉国计民生,因而在如此重要的行业内制定和适用反垄断政策具有极大复杂性和专业性。这种复杂性和专业性具体体现在银行业反垄断的产品市场和地域市场的界定中。美国银行业的反垄断执法在实践中发展出的产品组合原则和本地市场原则等,对于当前我国银行业反垄断执法具有重要的参考价值。

The banking industry navigates the economic lifelines of China and deals with the public interests.Hence,to draft and execute anti-monopoly policies in such overwhelmingly important industry requires great capacity in handling the complexity and specialization,which are two concepts critical in the justification of product market and regional market under anti-monopoly policies in the banking industry.The anti-monopoly enforcements remarked by practices in American banking industry have produced principles of product combinations and localizations.These two principal codes are of important values to China＇s anti-monopoly enforcements in the banking industry.