摘要
银行业的垄断使现存银行兼得短期利润和进入低风险 ,有利于增强银行体系的稳定 ,但从长远来看 ,银行业的垄断将导致银行业的低效运行 ,制约货币政策的有效传导 ,造成信用体系的缺失和银行业风险的累积。因此我们必须采取果断措施 ,打破银行业的垄断格局 ,促进银行业竞争 。
The paper analyses the market structure of our country's bank and points out the obvious monopoly of it through applying indexes such as market proportion,the concentration rate of market,and the barrier of entrance and exit.In the long run,the monopoly will lead to the low efficiency of bank,restrict the efficient transmission of monetary policy,cause the loss of the credit system and the accumulation of the risk of bank.Therefore we should take definitive measures to break the monopolk situation of bank and fully display the efficiency of it.
出处
《山东财政学院学报》
2003年第4期51-54,共4页
Journal of Shandong Finance Institute
