Study On The Comparison Of Legal Regulation In Anti-monopoly Of Banking Sector

In recent years, with the prevalence of the idea of fairness and justice, electricity industry, telecommunications industry, petroleum industry, finance industry and other monopolistic industries, which become the object of condemnation and reflection, come into the public view gradually. Meanwhile the public look forward to the regulatory system more rationally since the "anti-monopoly law" has been promulgated. On the other hand, the relevant theoretical research has been deepened and detailed. Antitrust regulation research in banking industry is absolutely a new topic for discussion. Its theoretical and practical significance is far-reaching.The first part discusses the meaning of commercial banks and business, and summarizes the monopoly and anti-monopoly practice in major developed countries.The second part discusses the methods to define the relevant market of banking industry. The relevant market, including product market and geographic market, can be defined in the same approach.The third part discusses the abuse of dominant market position, focuses on analysis of market concentration determination method, and conducts an empirical analysis on the current market concentration of China's banking industry. It particularly emphasizes on the special of China's banking market structure from the developed countries and reveals the source of its special historical. In this paper, two hot issues -the plight of small and medium enterprises financing and bank charges - are analyzed as the specific acts of abuse of a dominant position analysis.The fourth part studies the bank merger. The article reveals that the value of anti-monopoly law should be shifted to adapt to that financial globalization. It is necessary to promote the freedom of competition in China's financial sector, pay attention to financial stability and reduce financial risks. It is necessary to implement a strict review standard to foreign mergers, and a relaxed standard to the domestic M & A. If necessary, differentiated policy can be applied. In addition, specific research methods of the merger review are studied. The fifth part recommends a sound system of anti-monopoly. It mainly includes state-owned commercial banks reform, industrial policy, banking antitrust law enforcement agencies and a sound regulatory system. It emphasizes the specificity of our country and the full use of local resources to seek the Anti-monopoly ways of local characteristics.