The Research Of Banking Industrial Organization Security

Beginning in 1980s,with the process of financial globalization,many countries and regions have carried out a series of reforms in order to optimize the structure of the banking market.On the one hand,these reforms inspired the vitality of competition in banking market,to enhance the performance of banking institutions,strengthen the banks' function as the financial intermediaries.On the other hand,but also increased the risk of banking industry.The frequency and impact range of banking crisis showed a significant upward trend.Many scholars have made a lot of correlation analyses on the relationship between banking industry's market structure and performance,enterprise financing,and banking risk.But so far,there is no literature study on the comprehensive results of the banking market structure change.In this background situation,this paper based on the industrial organization theory and industrial safety theory,put forward the concept of banking industrial organization security,tried to build a theory system of banking industrial organization security,and investigated the industrial organization security state of China banking industry.This paper mainly carried out the research along these tracks:Firstly,through combing the existing literature on industrial organization,industrial security,banking market structure and performance,banking market structure and enterprise financing,banking market structure and risk to identify the entry point of this study.Secondly,put forward the concept of banking industrial organization security after discussing the characteristics and particularity of the banking industry.Constructed its' theory system,including the connotation and influence factors of banking industrial organization security,the evaluation system,and the policy choice.Thirdly,taking China banking industry as the research object,investigated the evolution and present situation of China banking industry market structure.Empirical analyzed the relationship between market structure and bank performance,the relationship between market structure and financing of small and medium-sized enterprise,the relationship between market structure and banking risk in China banking industry.And this paper also evaluated the situation of China banking industrial organization security from 2006 to 2015.Finally,with the development of China banking industry status and the development trend in the new normal,this paper put forward countermeasures which could improve the safety level of China banking industrial organization.Through theoretical analysis and empirical research,this paper mainly obtained the following innovative research results:Firstly,this paper put forward the concept of banking industrial organization security creatively,and set up the theory system of banking industrial organization security.Banking industrial organization security was defined as an integrated state that a country or region's institutional arrangement can lead to a more reasonable banking market structure and market behavior,to bring the banking institutions into effective competition and coordinated development,not only help to promote the sustainable growth of the banking performance,but also help to meet the enterprises financing needs and stabilize the banking risk,and it finally enables the country or region to have the ability of sustainable development.In the open economy,the security of the banking industry organization also refers to the banking industry organization helps to optimize the allocation of resources,enhance the international competitiveness of the banking industry,and effectively resist the invasion of foreign economy and maintain the stability of the national financial system.Based on the concept and main contents of banking industrial organization security,this paper analyzed the influencing factors of banking industrial organization security,constructed the evaluation system,expounded the aim and path of banking industrial organization security policy,and set up the systematic theory system of banking industrial organization security finally.Secondly,this paper used the causality analysis framework to establish the evaluation index system of banking industrial organization security.The direct evaluation index included the indexes which were used to measure the banking performance,credit supply and banking risk,were also called the outcome index which reflects the safety state of banking industrial organization.The indirect evaluation index were the main factors affecting the safety of banking industrial organization,were also called the cause index which effects the safety state of banking industrial organization.We can use the direct evaluation index to calculate the banking industrial organization safety degree,and use the indirect evaluation index to analyse the potential risk of banking industrial organization security.Through the methods of combining the direct and indirect indexes,combining the quantitative and qualitative indexes,this paper established an accurate and operational evaluation index system of banking industrial organization security.Thirdly,this paper empirically analysed the status of China banking industrial organization security,and expounded the corresponding countermeasures and suggestion.This paper investigated the Chinese banking market structure,developed a standard for evaluating China banking industrial organization security,estimated the safety degree of China banking industrial organization security from 2006 to 2015 with the factor analysis method,analytic hierarchy process,entropy method and fundamental evaluation model.It was found that China banking industrial organization security was in the state of basic safety and safety,and showed a trend of gradual increase.On this basis,this paper expounded the countermeasures and suggestions to improve the China banking industrial organization security from three aspects,included intensifying the opening up of banking market continually,improving the operational level of commercial banks comprehensively,and refining the banking regulatory mechanism continuously,in order to provide references for the government,banking regulatory agencies and practitioners.