Industrial And Organizational Analysis Of China's Banking System And Countermeasures Research

Industrial organization of banking mainly studies the theory andpolicy in banking industry, both in theory and practice, which isfocused on the structure, behavior and performance of bankingindustry.But the lasting low banking industrial Performance hasbecome the realistic problem that puzzles the economic transitionof our country. Some scholar explanate that the monopoly systemeffect competition , the others believe that the banking structureneglects measures to prevent the risks.In this dissertation ,authorutilizing researching technique ,theory of industrial organizationand economy theory , is on the reason foundation of refering toforefathers research accomplishment ,add the system factor to theSCP framework — " property structure-market structure -marketbehavior – market performance".This framework includes the binarystructure,property right and market structure that analyse banksystem of our country.The whole dissertation taks 4 state-owned commercial bank and10 share-holded commercial banks as the exploring objects.Marketstructural, market behavior,property structure systematicly matchwith market profermance . Much bigger the proportion of state-ownedproperty right, more difficult the scale of bank enters thisprofession, much stronger monopoly ,then market behavior alsodeviate market .This dissertation attempts to fill the blank of bankingindustrial organization theory and policy .Market structural andproperty structure in banking system of our country affect bankperformance together,so only emphasize the structure of propertyright and overlook market structural or only pay attention to marketstructural reform negate property structural reform,we can not findthe foundation of this problem. The banking restructuring reform ofour country should be reformed with property structure mainly ,andmarket structural adjustment supplemently.At last ,we focused on a number of policy issues such as thepolicy to reform the banking industrial organization, including theobjective mode, the measures to reform,the concentration, entry andexit barriers, and economies of scale.