国有商业银行市场势力分析

Analysis on market power of state - owned commercial banks

我国四大国有商业银行在整个银行体系中市场集中度过高,存在着市场势力。这种状况是由于原有制度背景、国家保护及满足国有经济改革需要而出现的,因此其存在有合理性;然而市场势力的存在,使国有商业银行在市场经营中进退维谷,导致其追求目标多元化,在金融产品和服务上缺乏创新动力,信贷资源闲置和隐含资产负债风险。因此,应淡化行政控制,逐步解除国有银行的市场势力,重构国有银行市场主体地位。

In whole bank system, four state-owned commercial banks occupy some high concentration ratio and market power. The reasons of the situation lie in originally system background, nation protection and satisfying state-owned economy reform demand,therefore,it contains rationality;However the existence of the market power make state-owned commercial banks appear hardship in operating, which lead them to pursue diversifications of target, not to innovate the products and services, not to use loan resources enough and conceal some risks in assets and liabilities. Therefore, the administration control should be decreased, the market power of state-owned banks should be gradually relieved and the real position of the state-owned banks will be set up.