中国商业银行市场结构和产权结构的改革

journal6 ›› 2011, Vol. 32 ›› Issue (2): 92-95.

中国商业银行市场结构和产权结构的改革

(中国交通建设股份有限公司,北京 100088)

出版日期:2011-03-25 发布日期:2012-04-09
作者简介:李婧（1982-），女，河北滦县人，助理会计师，主要从事现代财务管理理论与方法研究.

Market Structure and Ownership Structure Reform Mode ofChina’s Commercial Banking

（China Communications Construction Company Ltd.，Beijing 100088,China）

Online:2011-03-25 Published:2012-04-09

摘要/Abstract

摘要：立足于转型时期中国银行业市场的特点，分析各个因素与银行业绩效之间的关系,对既有的改革思路进行理论分析，探讨了现象背后的逻辑关系.从金融稳定和竞争绩效的角度讲，寡头竞争的市场格局应该是中国银行业市场结构改革的最优格局.产权的政府独有导致国有商业银行行政垄断，从而使中国商业银行整体上垄断无效率或低效率，加之政府的“经济人”假设，构成了银行产权改革的依据.要想改善商业银行的绩效，最重要的是社会信用文化的培养，这中间政府可以大有作为.

关键词： 国有银行, 市场结构, 产权结构

Abstract: Based on the characteristics of banking industry in the transformation period in China,the author analyzes how the factors influence the performance of banking industry.Generally,the study in this paper is based on the review of vested reform path,combining with the facts and drawing the conclusion by deduction.As far as the stabilization and performance of the financial system were concerned,the optimum market structure is oligarch competitive market.That the property right was monopolized by the government is the root of our banking industry’s inefficiency and the motivation of property right reform.To improve the banking industry’s performance,the government should spare no effort to construct an honesty oriented society.

Key words: stated-owned bank, market structure, property right structure

李婧. 中国商业银行市场结构和产权结构的改革[J]. journal6, 2011, 32(2): 92-95.

LI Jing. Market Structure and Ownership Structure Reform Mode ofChina’s Commercial Banking[J]. journal6, 2011, 32(2): 92-95.