| As the banking industries are all open, foreign banks and joint-stock commercial banks of the rapid rise of, market conditions of China's banking industries are diversification, these diversifications reflect the good future of China's banking industries trends, however, there are still a lot of questions about China's banking sector, these issues would baffle the development of China's banking industries, thereby reducing the overall strength of China's banking industries. This article is base on this context, the usage of industrial organization theory in the SCP paradigm of theoretical analysis of China's banking industries the current market situation (market structure, market conduct, market performance), pointed out the problems of the current banking, and the corresponding solution aims to enhance the overall strength of China's banking industries to cope with the challenge of world economy, with very important practical significance.This article is divided into five parts:The first part is to review the research background and significance of the problem, on the basis of research of this article we pointed out the main ideas and the methodology, at last we list the domestic and foreign related research results.The second part is to introduce the meaning of SCP paradigm, mainly introduce the major schools of thought (the Harvard School, Chicago School, competitive market theory can be ,the new school of thought) on the SCP paradigm of research, point out the research will use the SCP paradigm China's banking sector to study market conditions.The third part is the empirical analysis of China Banking's SCP paradigm, from the market structure, market conduct and market performance of these three aspects of the market conditions of China's banking industries, we conduct an in-depth analysis and draw a conclusion. In the market structure, we mainly analyse the market share, market concentration, product differentiation, the following is the introduction:Market share: the share from the assets share, liabilities share, three aspects of pre-tax profits of China's banking market analysis, research papers selected from 2003 to 2008, obtained in China's banking industries is still oligopolistic competition age, but over time, joint-stock commercial banks and foreign banks continue to rise, the top five commercial banks will face great challenges, the market will significantly enhance the level of competition, but short-term pattern of oligopolistic competition in the market will not change, the future will be even more intense level of competition is that it hopes the five major commercial banks in China to strengthen its ability to meet the challenges ahead.Market concentration: concentration, mainly through industry and the Herfindahl - Hirschman Index of China's banking industries analysis, dissertation in 2000-2007 selected data in the analysis of market concentration of China's banking industries gradually reduced the concerntration in the market and increasingly improved the level of the competition.Product differences: The main analysis of the full opening of the banking, foreign banks into China's major products to take measures, as well as Chinese-funded banks and opening up the banking sector after all the changes happened, through analysis of foreign banks in all aspects from start its business, while Chinese-funded banks have also developed a positive product trial of financial innovation in order to ensure their viability in order to make their own in the fierce competition in an invincible position.Entry barriers: The main analysis of regulation of the banking industries and economic barriers to entry barriers to entry, noting that barriers to entry in China's banking industries have taken in regard to a series of policy measures.Conduct in the market, mainly the introduction of market-funded banks and foreign banks market conduct through the analysis of all of that with the banking industries and opening up, Chinese-funded banks and foreign banks gradually build up their market conduct, market competition will be the future will become more intense.Performance in the market, the main target from the profitability, liquidity and security target target three areas of the market performance of China's banking industries is analyzed.In the target profit, the profit margin through the assets, capital profit, profit per capita and per capita operating cost analysis of the four indicators, pointing out that China's banking industries in general on the rise, the prospect of gratifying. Liquidity target, through the deposit and lending rate, the liquidity ratio of the two major target for analysis. Loan-to-deposit ratio in the analysis, pointing out that the loan-to-deposit ratio of China's banking industries continued a downward trend emerged, the level of bank liquidity remained stable, but the excess liquidity of the banking issue is the urgent need to address the current banking problems.Target at the safety aspects, primarily by non-performing loan ratio and capital adequacy ratio of the two major target for analysis, at the rate of non-performing loans, pointing out that China's banking industries year-on-year rate of non-performing loans declining trend, but foreign banks did not fall, it was an anti-or the situation, it is because of all open with the banking sector, foreign banks gradually cause the results of expansion, in the capital adequacy rate, that up to 6 at the end of 2008, China's commercial bank's capital adequacy ratio of the bank had achieved 175, standards of bank assets, commercial banks accounted for 84.2 percent of total assets; At the same time, the work in the future, the CBRC will be "capital adequacy ratio of commercial bank supervision and inspection guidelines" approach to the provisions of commercial banks on all types of major risks faced by independent assessment to determine the degree of capital adequacy, minimum capital requirement of banks and other issues.The forth part is to improve the overall strength of Chinese response to the banking sector, China's banking sector through the analysis of market conditions that currently exist in China's banking sector problems, these problems are:Market structure, our country is currently in an oligopoly market structure which, although an increase in the level of competition, but because of policy restrictions, the development of China's banking industries faces a bottleneck, if the policy is not to be resolved, then the market of China's banking industries structural condition it will be difficult to be greatly improved, at the same time, a low degree of product differentiation problem facing China's banking industries are another problem.Market conduct, the Chinese-funded bank's development strategy and the development strategies of foreign banks exist a large gap in the practical application of business management, as well as a serious lack of experience, therefore, the Chinese-funded banks in the market, the accumulation of experience running our country at present are required problem solved.Market performance, market performance of China's banking industries on the level of the overall increase in the stage, but the major banks because of their own strengths and limitations of scientific and technological level, the cause of China's banking industries products and services at a low level of development on, so good deal China's banking industries products, services, as well as internal governance structure of the banking problems faced by China's banking industries are a major problem.Based on these questions and put forward some specific solutions, such as improving the market structure, the elimination of the monopoly; study of the advanced culture of foreign banks; to raise the standard of service provided by banks and other policy proposals, the policy recommendations put forward in resolving the current China's banking industries a very important problem facing the reality of guiding significance.The fifth part is the conclusion of China's banking industries market structure, conduct and performance research, we draw the following conclusions: in the market structure, China's banking industries gradually increased the degree of market competition, and there were trends, market competition from the highly oligopolistic markets to the oligopoly structure of the transition; on behavior in the market, the Chinese-funded banks in the market conduct on a lack of guidance, lack of practical experience, there is no competition on foreign banks at a competitive, in the short term on status at a disadvantage, but as time goes by, I believe that in the near future, Chinese banks must be more competitive; performance in the market through analysis with the full opening up the banking sector, the banking industry a gradual increase in the degree of market competition, banking market performance of the upward trend in the level of the conclusion, so I hope step up the reform of state-owned commercial banks to improve their own strength, so that in the fierce market competition. |
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