入世五年我国银行业市场结构分析

The Analysis of Bank Industry's Market Structure since China Entered WTO

2001年我国正式加入世界贸易组织,在银行业方面逐步取消对外资金融机构外汇业务服务对象的限制,相继开放若干城市的外资银行人民币经营业务,要素市场处于逐步开放之中。对此,文章通过采用哈佛学派的SCP范式,对入世五年来我国银行业的市场份额、市场集中度、产品差异以及产品进入壁垒等方面进行了分析,得出目前我国银行业进入壁垒高、创新不足、依然处于寡头垄断状态的结论。

China has gradually cancelled the restricts from operating foreign exchange in foreign financial institution in China,and has successively opened the RMB operation in foreign banks in many cities of China in the past five years since she entered WTO in 2001.It is to study what has happened in the market structure of China's market of China's bank industry in these years by SCP pattern. With the analysis of bank industry's share,market centralization,diversity of bank product and bank's access barrier,it draws the conclusion that it is still with high access barrier,lack of innovation,and still oligarch monopolized at present.