我国银行业市场结构与市场绩效关系的实证研究

发布时间：2018-01-25 21:53

本文关键词： 银行业市场结构市场绩效实证研究　出处：《吉林财经大学》2017年硕士论文　论文类型：学位论文

【摘要】：现今,全面深化改革正在我国各个行业如火如荼的进行着,银行业作为各类产业中以经营货币为主的特殊产业,其自身发展势必会对我国当前和日后的经济发展产生举足轻重的作用。虽然当前,我国银行业多元市场结构已经初步建立,但是这仍旧无法改变我国银行业市场仍处于寡头垄断的市场格局。加上我国政府对于银行业市场的管制仍较为严格,一定程度上也会限制了银行业市场中的自由竞争,无法使银行业市场的活力充分迸发。随着我国国民经济的快速发展,如何让银行业的发展与整个社会发展保持步调一致,已成为当前银行业所面临的重大问题。而银行业若想得到进一步发展和繁荣,就势必需要厘清银行业市场结构和市场绩效之间的关系,如此方能寻求出一条银行业破除旧时藩篱的突破创新之路。实证结果表明,我国当前银行业市场结构仍处于寡头垄断模式,国有大型商业银行仍占据着市场中的高位,整个银行业市场绩效处于较低水平,效率结构假说和传统共谋假说在我国银行业市场中均未得到论证。因此,文章根据对我国银行业市场结构与市场绩效之间相关关系的实证研究,提出对策:推进金融混业经营改革,形成规模经济效应;监控改善市场绩效,严控金融风险;鼓励金融创新推动模式,提高产品差异化水平等。我国商业银行只有不断地学习先进的经营方式,转变经营理念,方能在高速发展的信息经济时代,依托大数据、云平台等先进手段突破发展瓶颈,实现自身转型,不断提高经营效率、扩大经营成果和控制行业风险,进而推动整个银行业绩效水平的提高,实现与国际银行业接轨的目标,方能指日可待。
[Abstract]:At present, the comprehensive deepening of the reform is in full swing in all sectors of our country, the banking industry as a variety of industries to operate money as a special industry. Its own development is bound to play an important role in the current and future economic development of our country, although at present, the pluralistic market structure of China's banking industry has been preliminarily established. But this still can not change our banking market is still in the oligopoly market pattern, plus our government to the banking market regulation is still relatively strict. To a certain extent, it will limit the free competition in the banking market, and can not make the banking market full burst of vitality. With the rapid development of our national economy. How to keep the development of the banking industry in step with the development of the whole society has become a major problem facing the banking industry, and if the banking industry wants to get further development and prosperity. It is necessary to clarify the relationship between banking market structure and market performance, so as to find a breakthrough and innovation way for banks to break down old barriers. The empirical results show that. At present, the banking market structure of our country is still in the oligopoly mode, the state-owned large commercial banks still occupy the high position in the market, and the performance of the whole banking market is at a relatively low level. Both the efficiency structure hypothesis and the traditional collusion hypothesis have not been demonstrated in China's banking market. Therefore, this paper makes an empirical study on the correlation between market structure and market performance in China's banking industry. The countermeasures are as follows: to promote the reform of financial mixed operation and to form the effect of scale economy; Monitor and improve market performance and strictly control financial risks; We should encourage financial innovation to promote models and improve the level of product differentiation. Only by constantly learning advanced management methods and changing management concepts can commercial banks in China be able to develop at a high speed in the era of information economy. Relying on big data, cloud platform and other advanced means to break through the bottleneck of development, achieve their own transformation, constantly improve operational efficiency, expand business results and control industry risks, and then promote the performance of the entire banking industry. To achieve the goal of international banking integration, we can be on the horizon.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.5;F830.42

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