An Empirical Research Of The County Banking Market Structure In Shandong Province

In order to adapt to the demands of economic development, financial regulation continue to relax, and the level of competition in the banking market gradually increased. But both in the developed countries and in emerging market countries, the banking market in the fierce competition has not been easy, the banking crisis as currency crisis and financial crisis surfaced from time to time. In order to deal with increasingly complex financial innovation and intense competitive environment, it is of great significance to strengthen the banks to compete effectively, to improve the international competitiveness of the banking market and the ability to withstand systemic financial risks, for ensuring the country’s financial security, achieving sustained and stable economic development.Chinese banking market is the core of Chinese financial market, the development of the banking market is a direct impact on the stability and healthy development of Chinese economy. The market structure of the banking market directly restricts the role play. Therefore, the research of the structure of the banking market in a country or region has a very important theoretical and practical value. Overseas, the research on banking market structure has made very rich results, a large number of literature according to the country’s banking sector data explored market structure and competition in the banking market, the research of Chinese banking market structure is gradually deepening, mainly studied state-owned commercial banks, and the research on small and medium-sized joint-stock banks are gradually strengthened and made many valuable results. The research considered that the market structure of China’s banking market is monopolistic competition stage.But most of the research on Chinese banking market structure stayed at the national level, there is little research about the county banking market structure. Due to the special conditions of our country, and the economic development of the urban-rural dual characteristics, the research of the national banking market structure was not a very good description of the county banking market structure, so the use of the market structure of the national level to guide the county Banking the development was not scientific, there would be a great deviation. Article selected the data of the major banking institutions of99counties in Shandong Province, aimed at researching the development of the banking market structure in the counties, understanding the county banking market structure in China, and providing a reference for the research of rural financial and county economy in the future.The article is divided into five chapters. The first chapter is the introduction, including the papers of the background, purpose and significance of thesis framework and the innovation of the paper; The second chapter is the literature review, including the interpretation of the related theories; The third chapter is the measure methods of the banking market structure research, outlining the research methods to measure market structure; The fourth chapter is processing and analysis empirical data, the county banking market still showed significant monopoly characteristics in Shandong Province, the level of monopoly of County Banking and Urban banking is a clear imbalance, and showed a negative relationship with the level of economic development; The fifth chapter is the conclusion, analyzing the reasons for the formation of the county banking market structure in Shandong Province, targeting measures to enhance competition in the market to ensure that the county banking market is robust and competitive development.The article only estimated and judged the county banking monopoly. There will be more in-depth study to research the pros and cons of the current market structure. Strive to improve operational efficiency, promote economic development, protect of the financial interests of consumers, for the development of Chinese banking market to provide the protection.