我国银行业市场结构分析

Study on the Market Structure of Chinese Banking Industry

我国银行业的构成主要有国有银行、股份银行、城市商业银行、农村商业银行以及外资银行等。目前,我国银行业市场结构处于寡头垄断状态,四大国有银行占据了较大的市场份额。随着国民经济的发展以及商业银行业的不断变革,我国银行业的市场结构也在不停地发生改变。四大国有银行的市场总份额在逐年递减,而股份银行的市场总份额在逐年递增,说明我国银行业正在逐渐减小市场垄断程度,向着竞争的方向发展。为了形成良好的竞争格局、构建健康的银行发展环境,我们必须加大利率市场化改革力度,鼓励中小银行发展,降低我国银行业的进入壁垒。总之,只有优化银行业市场结构,才能提升我国银行业的整体竞争力。

Our country＇s banking industry can be divided into state - owned banks, joint - stock banks, city commercial banks, rural commercial banks and foreign banks. But along with the continuous development of the national economy, the market structure of China banking is constantly changing. Based on the data of 16 listed commercial banks, this paper analyzes the market structure of banking industry at the present stage in China, and puts forward some suggestions to improve the market structure of commercial banks.