The Research On The Market Structure And The Performance Of China’s Banking Industry

Since reforming and opening, the banking industry as the core of the financialsystem, is the backbone in the guarantee of China’s sustained and rapid economicgrowth. Review of developing history of the banking industries, in the economicreform in the background, the banking industry has experienced a long and greatchange in different historical period, different special role play. As a special industry,banking industry and the national economy in high degree, its development and changecompared to other departments more complex, at the same time, the banking industryin the reform process of change also presents industrial organization evolution, fromthe perspective of industrial organization theory to explore the reform of China’sbanking industry development, summing up the past banks reform experience inbanking, clarify the problem that exists in development, for the next phase of thebanking industry health development to offer relevant policy proposal is of greattheoretical and practical significance.Paper is divided into three parts:Introduction, Text and Epilogue：The introduction of paper mainly expounds the background of topic-selection andsignificance, summarizing literature, research methods and innovation. We canembody the paper’s writing theoretical value.Text includes four chapters:The first chapter, the banking industry organization structure and marketperformance overview. This chapter summarizes the domestic and foreign scholars onthe banking industrial organization research present situation, the banking marketstructure and market performance research is introduced, the banking industryorganization research categories were defined, identified and measured the bankingmarket structure and performance of the method.The second chapter, the banking of our country industry organizes structuralanalysis. First, a summary of China’s banking industry organization changes its course,according to the industrial organization change characteristics is divided into fourstages, roughly described the characteristics of every phase; secondly, the market structure of China’s banking industry undertook quantifying an analysis, from theoverall situation, market concentration and import barriers and other aspects ofmeasuring me China banking industry organization changes, with bankingdevelopment, pointed out our country banking industry experienced from monopoly tooligopoly process, in recent years is being experienced from monopoly to monopolisticcompetition process; finally, on the basis of summing up with Chinese characteristicsof banking industry organization changes in the characteristics.The third chapter, our country banking industry organization structure study onthe market performance. This part of the banking market performance analysis, first ofall on the banking market performance are distinguished, namely the different stage,different period, the banking industry in China’s economy plays a different role, and tothe banking market performance evaluation is divided into two parts, the first part is1978-1995, banking to undertake the more reform cost pays no attention, basicperformance, the second part is after1995, the banking industry of modern enterprisesystem has been established gradually, begin to pay attention to performance, andthrough the positive externality to promote economic and social growth; then, on thebanking market performance, market structure and economic growth undertookquantifying an analysis, the focus is that the market performance and the relationbetween market structure, and promote the positive role of economic growth; finally,analysed in recent years the market performance of China’s banking industry andconstantly improve the main reason.The fourth chapter, our banking industrial organization optimization. This chaptersummarizes the analysis of China’s banking industry organization exists to restrict anelement, put forward the further optimization of China’s banking industry organizationpolicy recommendations.Epilogue mainly summarizes the core and main arguments of whole paper formaking readers to understand the purpose of the article fully.