垄断与效率:我国银行业市场结构现状分析

Monopoly and Efficiency:An Analysis of the Current Situation in Our Country's Banking Market Structure

本文通过运用市场份额、市场集中率和进入退出壁垒等指标分析我国银行业的市场结构状况 ,指出我国银行业具有明显的垄断色彩。垄断造成了消费者及社会福利损失、信用体系的缺失及银行业风险的累积、信贷配给的歧视等效率损失 ,要求我们必须果断采取措施 ,打破银行业的垄断格局 ,充分发挥银行业的功效。

By using the index of market share, market concentration ratio and entering and retreating from the barrier, this article analyses the situation of our countrys banks,market structure and points out that there is an evident monopoly feature in our country's banking industry.Monopoly caused the efficiency losses such as the loss of consumers and social welfare,the derogation of credit system and the accumulation of the banks,risks, the discrimination of credit distribution and so on. All these demand that we should take decisive measures to break up the banks,monopoly and to fully exert the banks,role.