| Optimization of banking structure plays an important role in utilizing the financial resources and promoting the economic development. After 20 years'financial reformation, commercial banking has been developing constantly with the transition from planned economy to market economy. The banking structure has changed from simplex to multi market structure; from monopoly to competitive; from close to open. The banking structure has the character of planned economy. Though the market share of the state owned banks has been decreasing these years, the monopoly character of banking system is still obvious.After our entry to WTO, local banks have faced fierce competitions. From long term perspective, we should build a sound banking system which is based on the market. Such kind of banking system can help us development our economic system successfully and stabilize our macro economy. Under such background, our analyzing our banking structure, its historical development and reasons; research on the banking structure from different aspects, can help know more about the current banking structure problems and bring about suggestions on how to optimize our banking structure and deepen our banking reform.This thesis focuses on the questions: how the banking structure has developed; what the essential reasons are behind the development; what kind of banking structure can match the economic development and structure; how to optimize the banking structure in order to promote the economic development.This thesis expatiates on the historical development of the banking structure firstly; and then analyzes the character in the developing process from the aspect of market share, product differentiation, using the related data and index. The characters include: the concentration is decreasing; the banking organizations, products and customers are changing from simplex to multi structure. Following by the analysis, the thesis point out the current problems of our banking structure, including the design of the banking system is too subjective, and the banking structure can not fulfill the market demand; the banking structure and economic structure has some contradictions; the state owned banks are monopoly power in the markets, and the risks can not be diversified; the financial system and regulations restrict the optimization of the banking structure. Secondly, the thesis researched on the reasons from the aspects of qualitative analysis and quantitative analysis. The qualitative analysis emphasizes the following reasons: the government behavior; the financial system and the inner system problems in banks. Bases on the qualitative analysis, the quantitative analysis establishes a multi linear model to analyze the impact of the economic structure, market scale, product differentiation and bulwark to new banks on the banking structure, using the related data from 1986-2006.The results shows that these four factors can explain the banking structure as a whole. The economic structure and market share can influence the banking concentration remarkably.Based on the model, the thesis brings forwards some proposals, including optimizing the banking structure based on the economic structure. The best banking structure for our economic structure is a banking system in which small and medium size banks are the main body; releasing the banking control in order to promote equal and efficient competitions. If we can allow our banks to widen the products spectrum, our local banks can enhance their competitions compared with the foreign banks; encouraging financial innovations and differentiating banking products to promote banking business. The banks should focus on quality competitions instead of scale competitions; reforming the inner bank system in order to improve the banking management. Our banks should build a sound management system and operate in accordance to the modern enterprises management governance, so that our banks can become competitive market body and the banking structure can be optimized. |
PDF Full Text Request