我国国有商业银行获取高额垄断利润的社会影响及对策研究

发布时间：2018-01-08 20:07

本文关键词：我国国有商业银行获取高额垄断利润的社会影响及对策研究　出处：《湖北工业大学》2013年硕士论文　论文类型：学位论文

【摘要】：近年来，我国经济进入了缓慢增长时期，各行业的利润也急剧下滑。但以银行业为代表的很多原来把握着“国民经济命脉”并控制着国民经济“制高点”的国有企业的先天性垄断地位却在进一步加强，获取的高额垄断利润在整体经济低迷的对比下显得格外显眼。当我国银行业获取的高额垄断利润与当前工业企业等实体经济的困境形成鲜明对比时，以国有商业银行为主的我国银行业在经济发展中的作用再次遭受质疑。银行业的发展前景和改革的方向在哪里？这些都是在提出银行业改革对策建议时需要研究和解决的重大问题。通过对国内外有关资料的分析，本论文认为，在我国政府和金融主管部门对银行业的发展和改革思路，究竟应该是政府主导还是市场运营都没有一个系统的、深刻的、科学的阐释；在整体银行业服务的理念和银行业的反垄断体系都需要认真定位和构建。基于此，本文以目前我国商业银行为研究对象，，主要是四大国有商业银行和十二家股份制商业银行。从学界广泛讨论的竞争和垄断入手，用市场经济的自由市场竞争理论和SCP范式分析方法对我国银行业市场结构，行为和绩效做一个全面的理论分析，通过对我国银行业利润来源的分析，对我国国有商业银行通过制度性垄断获得的高额垄断利润做一个定性，对国有商业银行高额垄断利润的社会影响做全面的分析和探讨，并借鉴发达国家在银行业发展上面的有益经验，提出我国银行业规范发展和改革的政策建议。本论文可能的创新之处是在对我国国有商业银行高额垄断利润的社会影响做了深入分析后，就如何进行银行业改革—藏富于民提出建议对策：把重塑我国银行业服务企业的理念放在首位；把我国银行业的反垄断体系的构建作为促进银行业发展的长效机制来建设；建立多层次和充分竞争的资本体系；有计划的逐步推进利率市场化改革；以及创新银行业开拓国际市场的能力。
[Abstract]:In recent years, China's economy has entered a period of slow growth. However, the inherent monopoly status of many state-owned enterprises, which hold the lifeline of the national economy and control the "commanding height" of the national economy, has been further strengthened. The high monopoly profits achieved in the overall economic downturn in contrast is particularly conspicuous. When the high monopoly profits obtained by China's banking industry and the current industrial enterprises and other real economic difficulties form a sharp contrast. The role of China's banking industry, which is dominated by state-owned commercial banks, in economic development has been questioned again. Where are the prospects for the development of the banking industry and the direction of reform? These are the major problems that need to be studied and solved when putting forward banking reform countermeasures and suggestions. Through the analysis of the domestic and foreign data, this paper believes that the development and reform of the banking industry in China's government and financial authorities should be government-led or market operation is not a system. A profound, scientific interpretation; In the whole banking service concept and banking antitrust system need to be carefully located and constructed. Based on this, this paper takes the commercial banks of our country as the research object. It mainly consists of four state-owned commercial banks and 12 joint-stock commercial banks. Using the free market competition theory of market economy and SCP paradigm to analyze the structure, behavior and performance of China's banking market, and through the analysis of the source of the banking profit in China. This paper makes a qualitative analysis of the high monopoly profits obtained by the state-owned commercial banks through institutional monopoly, and makes a comprehensive analysis and discussion on the social impact of the high monopoly profits of the state-owned commercial banks. And draw lessons from the beneficial experience of the developed countries in the development of the banking industry, and put forward the policy recommendations on the normative development and reform of the banking industry in China. The possible innovation of this paper is to make an in-depth analysis of the social impact of the high monopoly profits of state-owned commercial banks in China. This paper puts forward some suggestions on how to carry out the banking reform-to store wealth among the people: to put the idea of reshaping the banking service enterprises in the first place; The construction of the antitrust system of China's banking industry is regarded as a long-term mechanism to promote the development of the banking industry. Establishing a multi-level and fully competitive capital system; Promote the reform of interest rate marketization step by step; And the ability of innovative banking to open up international markets.
【学位授予单位】：湖北工业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

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