我国银行业进入壁垒问题研究

发布时间：2018-03-01 16:07

本文关键词： 银行业经济性进入壁垒制度性进入壁垒绩效　出处：《广东商学院》2013年硕士论文　论文类型：学位论文

【摘要】：本文以我国银行业进入壁垒为研究对象，试图全面系统地分析我国银行业的进入壁垒问题。首先，从经济性壁垒、制度性壁垒以及总壁垒强度三方面对我国银行业进入壁垒的情况进行了理论和实证研究；其次，对我国银行进入壁垒与市场绩效的相关性进行实证研究；再者，针对以上理论与实证的研究综合得出基本的结论：我国进入壁垒强度仍然较大，其主要原因是仍然严格的制度性进入壁垒的存在；我国银行业的垄断格局不是市场力量自发形成的，是严格的制度性壁垒造成的，这种垄断结构不利于银行业整体绩效的提高，，尤其造成了国有银行的垄断低效；我国银行业的进入壁垒强度与利润率不存在线性相关性，它们负相关；最后，提出了针对性的政策建议。本文分为五部分：第一部分是导言，主要包括选题的背景和意义、基本结构、研究方法以及可能的创新点和不足之处。第二部分是文献综述，首先是进入壁垒相关理论的文献综述；其次是关于国内外银行业进入壁垒的文献综述，在已有国内外学者关于银行业进入壁垒研究的基础上，借鉴其研究成果与研究方法，寻求本文研究的逻辑思路。第三部分是我国银行业进入壁垒的现状分析，在具体的论述过程中，强调理论分析的同时引用了大量的图表和数据来支撑理论的阐述。第四部分运用SCP范式等相关经济理论，建立多元线性回归方程，对银行进入壁垒与市场绩效的相关性进行实证研究。第五部分进一步探讨我国银行业进入壁垒存在的问题并提出相对应的政策建议。其中，第三、四部分为本文的重点部分和创新之处，运用大量的数据和图表对我国银行业的进入壁垒进行全面的实证研究，寻求目前我国银行业进入壁垒所存在的问题以及其造成的影响，为第五部分提出有效的政策建议提供依据。
[Abstract]:This paper takes the entry barrier of our country's banking industry as the research object, and tries to analyze the problem of the entry barrier of our country's banking industry in a comprehensive and systematic way. First, from the angle of economic barrier, The institutional barriers and the total barriers strength of the three aspects of China's banking barriers to enter the theoretical and empirical research; secondly, the relationship between the barriers to entry and market performance of China's banking industry is studied empirically. In view of the above theoretical and empirical studies, the basic conclusions are as follows: the intensity of entry barriers is still large in China, the main reason is the existence of still strict institutional barriers to entry; The monopoly structure of China's banking industry is not formed spontaneously by market forces, but is caused by strict institutional barriers. This monopoly structure is not conducive to the improvement of the overall performance of the banking industry, especially to the inefficient monopoly of state-owned banks. There is no linear correlation between the entry barrier strength and the profit margin of the banking industry in China, and they are negatively correlated. Finally, the relevant policy recommendations are put forward. This paper is divided into five parts: the first part is the introduction, including the background and significance of the topic, basic structure, research methods, possible innovations and shortcomings. The first is the literature review of the theory of barriers to entry, the second is the literature review of the barriers to entry of the domestic and foreign banking industry. On the basis of the existing research on the barriers to entry of the banking industry at home and abroad, the paper draws lessons from its research results and research methods. The third part is the analysis of the current situation of China's banking entry barriers, in the specific process of discussion, Emphasis is placed on theoretical analysis and a large number of charts and data are cited to support the elaboration of the theory. Part 4th uses the relevant economic theories such as SCP normal form to establish multiple linear regression equations. This paper makes an empirical study on the correlation between the barriers to entry of banks and market performance. Part 5th further discusses the problems existing in the barriers to entry of the banking industry in China and puts forward corresponding policy recommendations. The fourth part is the key part and innovation of this paper, using a large number of data and charts to conduct a comprehensive empirical study on the barriers to entry of China's banking industry, and to seek the existing problems and the impact of the barriers to entry in China's banking industry. It provides the basis for the effective policy suggestion in 5th part.
【学位授予单位】：广东商学院
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.3

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