中国商业银行市场结构与产品差异化关系分析

On Relationship on Market Structure and Product Differentiation of Chinese Commercial Bank

我国商业银行业市场结构寡占程度较高,产品差异化不显著,顾客在选择银行产品时首先考虑的是得到服务的便利程度,网点数量的多寡在很大程度上就决定了客户的选择。中小型银行无法大规模铺设网点,只能通过价格竞争争取市场份额,市场上出现"伯川德悖论"。但是一旦在市场上引入了产品差异化,只要差异化的效率足够高,就能避免恶性价格竞争,并通过差异化获取更大的市场份额,使银行业市场结构发生变动。因此政府可以通过鼓励中小型银行推行产品差异化战略对银行业的市场结构做出调整。

The market structure of Chinese commercial bank had a higher degree of oligopoly, the product differentiation was not significant. The customers ＇ first consideration was to get the banks ＇ convenient service and the numbers of the outlet amount determined the customer＇s choice to a large extent. Small and medium sized banks had much less outlets than big banks and gained market share through price competition which resulted in Bertrand Paradox. But when product differentiation has been introduced into market competition, the bank could avoid vicious price competition and got more market share as long as the efficiency was highly enough to make the market structure change. Government can adjust the market structure of banking by encouraging small and medium sized banks to carry out the differentiation strategy.