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The Study On Market Structure And Economy Performance Of Commercial Banking In Our Country

Posted on:2005-03-05Degree:MasterType:Thesis
Country:ChinaCandidate:Z Q PanFull Text:PDF
GTID:2156360125969342Subject:Political economy
Abstract/Summary:PDF Full Text Request
With the continuous development of the liberation of the finance and the integration international economy, the degree of open and competition of the banking increases continuously and a highly competitive and energetic commercial bank system has formed in western developed countries. But our country has formed a firm and highly monopoly banks' market structure because of a longest-running history reasons, this has make commercial bank operate in low efficient and make commercial bank lack competitive capability for a long time, and will go against the reform of the financial system to step further. The effective market structure of banking should be the coexistence of monopoly and competition. The practice of a series of reform of the financial system of the banking undergoing in recent years proves that: the change of the Chinese commercial banks' market structure is the reform of the property right institution in essence. So, changing banks' market structure and decreasing the monopoly degree through reforming the property right institution have important significance in improving the banks' performance. The relationship between market structure and performance is the key point in the field that the industrial organization studies. And it is also the important task to enhance the power of competition and increase the performance of the commercial banks. The article bases on the frame of "structure ——conduct ——performance" and apply dynamic and static analysis, qualitative and quantitative analysis, normative and experiential analysis, demonstrates that our market structures effects on performance are not obvious. The key is because of the high concentration of the market originated from the traditional system. So the author suggest that we should construct an effective market structure of the banking through these countermeasures including beginning with the reform of the institution of the property right and pushing the reform of the share-holding system, accelerating the banks' coming into the market speed up, setting up and developing non-state-owned middling and small financial institution, building an effective system of exit and perfecting the system of supervision and so on.
Keywords/Search Tags:the commercial bank, the market structure, efficiency, performance, the property right institution
PDF Full Text Request
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