我国商业银行市场集中度研究

On the Market Concentration of Commercial Banks in China

采用贝恩分析法对我国商业银行市场集中度进行测定,发现中国商业银行集中度呈不断下降趋势,大市场份额下降,而利润下降缓慢,与其他数据值相比呈上升趋势,出现了"集中度—利润"悖论,分析认为,这是由中国特定的国情所决定的。建议国家应稳健地开放银行业,合理引导金融主体多元化发展,并加强相关监督和管理。

This paper measures the market concentration of commercial banks in China by using Bain Analytical Method and finds out that the market concentration of commercial banks in China showed a downward trend, and the grand market share declined as well. While the profits declined slowly and other ratio data showed the uptrend. The concentration-profit paradox appears. Analysis suggests that it is because of the special national conditions. So this paper proposes that the nation should lift the restriction of banking industry steadily, guide the diversified development of financial industry and reinforce the supervision and administration.