市场结构与银行稳定性研究

Study the Relation between the Market Structure and the Security of Bank

银行业的稳定对一国经济运行至关重要,按SCP分析范式,高利润是反竞争定价的结果,银行市场的脆弱性与其垄断因素存在正相关关系。但研究银行市场价格形成机制的特殊性,表明银行业的稳定与银行市场的垄断因素并不存在直接的逻辑关系,反而是银行市场过度开放导致的重复、恶意竞争,在一定程度上威胁着银行业的安全。因此,审慎对待银行业的开放,加强对银行业的有效监管,提高银行业竞争水平,构建层次清晰的银行市场,是维护银行业安全的有效方式。

The security of bank is important for the nation economy.With SCP,if it is captive market,the security of bank will reduce.But studying the price formation mechanism of the bank,we can get the conclusion that captive market will not affect on the security of bank.On the contrary,malicious competition will affect on the security of bank.For the security of bank,we should cautiously open the bank market,and financial laws need to be enforced more strictly,and financial supervision and management need to be strengthened.