中国信贷市场结构分析

The Analysis on the Structure of Credit Market in China

我国银行体系在多年金融改革的发展过程中,发生了巨大变化,由过去单一的高度集中的银行体系逐步形成了全新的信贷服务体系,具体表现为国有商业银行、政策性银行、股份制商业银行和其他金融机构并存。与发达国家相比,我国信贷市场结构还不是充分竞争的市场结构,存在缺乏有效竞争、影响市场绩效提高等问题。如何有效发挥信贷市场的资源配置功能,解决信贷供求矛盾,通过信贷市场及时有效的传导于实体经济,成为信贷市场良性发展的重中之重。

China＇s banking system has changed a lot in the development process of financial reform.And gradually formed a new credit system,its specific performance of state-owned commercial banks,policy banks,joint-stock commercial banks and other financial institutions co-exist.Compared with developed countries,China＇s credit market structure is not fully competitive market structure;there is a lack of effective competition,the impact on market performance improvement and other issues.How to make the credit market effectively the resources disposition function,solve the contradiction of credit supply and demand and then apply into real economy becomes the most important in the development of the credit market.