Chinese Banking Market Structure And Rationalize Study

Finance is the core of modern economy, which for the activation of economic vitality, and as for the development of a country's economy plays a vital role in its stable and healthy development of the operation, is the cornerstone of a country's economy. The mainstream of the market structure theory that the structure of the banking market to a certain extent influence the decision or commercial bank market, or to determine the impact of the banking market performance. In other words, to enhance the vitality of China's banking industry, performance improvement and enhancement of competitiveness to a large extent depends on the rational structure of the banking market.At this stage, China's ongoing reform of the banking sector, the continuous entry of foreign banks, as well as new domestic commercial banks, development, the pattern of China's banking industry is undergoing major changes. China's banking market structure, and gradually to the monopoly of the competition pattern of development, however, the monopoly structure of China's banking industry has not brought the monopoly profit, a monopoly of the five major state-owned banks below the efficiency of the new bank, the existing market structure and China's banking industry did not bring a good market performance, but the performance is a long-term trend of low efficiency, resulting in a relatively large banking sector non-performing loans, has hampered China's financial sector and healthy development, the government's macro-control has brought Problems, seriously hampering the operation of the national economy.Based on this background, this paper, "Chinese banking market structure and the rationalization of research", using empirical methods of analysis of China's banking market structure, suggesting that at the present stage of China's banking market structure characteristics, problems, as well as the source And to further optimize China's banking market structure, improve market efficiency and improve the overall competitiveness of the banking sector to provide relevant recommendations.The full text is divided into six chapters, the first chapter of China's banking industry is a market research background and significance of the theory. At this stage, China's banking reform has become a top priority in the financial sector, at the same time, with the continued entry of foreign banks, there are new domestic commercial banks to the continuous development of China's banking industry is undergoing a larger pattern of change . Based on this background, this article analyzes the banking industry to explore the characteristics of the market structure and the development of China's banking industry, and explore measures for the future development of ideas put forward opinions and suggestions. Chapter II for the banking market structure theory. From a market share of the banking industry, the banking market concentration, barriers to entry and exit of the banking industry and economies of scale in areas such as analysis of the banking market structure of the basic elements at the same time defined the market structure of China's banking industry measure of the method. The third chapter is a brief review of the banking sector advanced the status quo, and to find China's banking industry with the world's trade gap. This chapter of the United States to the development of the banking industry, for example, analysis of China's banking industry and the gap between the main problem. And the market share, market concentration, barriers to entry and exit, as well as economies of scale and spatial distribution of ogata in the face of China's banking market structure of empirical research, analysis of the transition period of China's banking market structure of the situation, further analysis of China's banking market structure The market's performance in areas such as the causes and effects. Chapter IV, the main analysis of the banking market structure and performance. According to the theory of industrial organization, the higher the degree of market monopoly, oligopoly business-to-market, the greater control, market structure and performance was a positive change in the relationship. However, China's banking industry structure - the relationship between the performance of different theories have emerged. Chapter V of China's banking market to rationalize the structure of the relevant recommendations. Through the foreign banking market structure formed by experience, combined with China's banking market structure problems, we have reached a preliminary sustainable development of China's banking market structure should be a moderately concentrated market and competitive factors there is no lack of competition in monopoly The structure of the market. Chapter VI of the conclusions and the need for further study. The Commercial Bank of China's market structure analysis, we can see that at the present stage of China's commercial banks, the market structure is still monopolistic structure of the five major state-owned commercial banks hold the majority of market share, but does not form a highly profitable high-monopoly situation, at the same time Joint-stock banks are also subject to the survival and development of foreign-funded banks to enter the threat. China's banking sector reform is a key state-owned commercial banks to resolve the issue of monopoly in the market to allowmore competitors enter the market, in the process of reform that the Government shouldprovide a fair market environment, reducing the direct intervention of the bankinginstitutions, and the management focus to indirect regulation and control and financialsupervision.