从同质化到差异化发展:优化银行业市场结构的视角

From Homogenization to the Differentiated Development:the Perspective of Optimizing the Banking Market Structure

目前我国商业银行的市场结构呈现市场集中度不断下降的趋势,市场竞争程度也有所增加,但银行间同质化经营问题较突出,导致银行体系不能满足金融服务多样化的实际需求,而且不利于银行体系的稳定。为优化银行业市场结构,达到效率与稳定并举的目标,监管部门应采取措施促进商业银行实施差异化发展战略,商业银行应从价格差异化、产品差异化、服务差异化、品牌文化差异化方面采取措施。

At present market concentration degree which is related to market structure of China＇ s commercial banks is declining, the degree of competition in the market has also increased, but more outstanding problem is homogenization of the inter - bank business. The banking system can not meet the actual needs of diversified financial services, and is not conducive to the stability of the banking system. In order to optimize the structure of the banking market, to achieve the goal of both efficiency and stability, the regulatory authorities should take measures to promote the commercial banks to implement the development strategy of differentiation, commercial banks should take measures to address price differentiation, product differentiation, service differentiation, brand differentiation and culture differentiation.