| Since the reform and opening up of china, the economic development of china get much so much attention, along with the Chinese economic development mode change from extensive to intensive, deepen economic reform by more and more attention, as the vanguard of the development of a healthy economy, the banking sector is also subject to wide public attention. For unsatisfactory service media coverage of bank executives and banks also offer astronomical salary, more and more people will have questions about:banks as companies compete in the market, what can get high profits. For this question, the paper that banks obtain high profits banks to take advantage of the biggest conspiracy means, gained market dominance, with their market dominance to obtain excess monopoly profits.In this paper, a qualitative analysis to determine the inter-bank collusion by enumerating monopoly collusive agreements signed between the bank and to analyze the current situation of the banking monopoly collusion, factors and negative effects. While the Bank of monopoly use of market concentration, Hirschman-Herfindahl index were quantitatively analyzed data on bank profitability of monopoly intuitive display. And combined with game theory model of banking products under homogeneous conditions and under conditions of product differentiation banking monopoly collusion existence and stability of empirical analysis, the product differentiation when large banks, banks will be involved in collusion betrayal motives. For banks conspired to obtain high monopoly profits, the paper that the Government should take strong regulatory policies to reduce the monopoly profits of banks, increasing consumer surplus consumer banking and financial products, as well as to introduce private capital into the banking market, on the one hand improve operational efficiency of banks, on the other hand to guide the investment of private capital into legitimate channels, and reduce financial market risks. |
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