中国商业银行垄断程度的判断与充分竞争的对策

Judgments on Monopoly Level of Commercial Banks of China and Countermeasures of Perfect Competition

随着金融市场开放与改革的深入推进,中国商业银行数量规模与资产规模迅速扩大,但在存贷利率受到管制的垄断市场中商业银行之间的不当竞争也导致整个行业陷入系统风险扩大而企业绩效下滑的困境中。要使商业银行突破发展困境并得到健康发展,必须在强化商业银行专业化分工的基础上,推进利率市场化,放松资金定价的严格限制,逐步打破银行体系的垄断格局,建立和维持一种具有合理垄断与竞争性质的商业银行市场结构,既保证商业银行有效的竞争,又突出商业银行适度集中的特点,进而推进商业银行的可持续发展。

With the liberalization and deepening reform of financial market,the number and asset size of Chinese commercial banks expands rapidly.But in the monopoly market,deposit and lending rates are regulated,the unfair competition between commercial banks also led to the industry into the plight in which systemic risk expands and performance declines.In order to achieve a healthy and sustainable development,commercial banks should take the following measures： promote interest rate liberalization and loosen capital pricing strictly based on profession classification;break the monopoly of the banking system gradually;set up and maintain a reasonable monopoly and competitive market structure,which not only ensure effective competition,but also highlight the moderately concentrated characteristics of commercial banks.