我国银行业产业组织结构演进与绩效研究

发布时间：2018-10-15 11:25

【摘要】：改革开放以来，银行业作为金融体系的核心，是保证我国经济持续快速增长的中坚力量。回顾银行业发展历程，在经济改革的大背景下，银行业经历了长期而巨大的变革，在不同历史时期发挥了不同的特殊作用。作为特殊产业，银行业与国民经济关联度高，其发展和变革相比其他部门更加复杂，同时，，银行业在改革变迁的过程中也呈现出产业组织演进的轨迹，从产业组织的角度去探究我国银行业的改革发展，总结过去银行业成功的改革经验，厘清银行业发展中存在的问题，为下阶段银行业的健康发展提供相关政策建议具有重大的理论和现实意义。本文分为导论、正文和结论三个部分：导论部分介绍了本文的研究背景，对银行业产业组织的研究现状进行了文献综述，并指出了本文的研究路线、方法和线路，从中体现了本文撰写具有深刻的理论及现实意义。正文分为四章：第一章，银行业产业组织结构与市场绩效概述。这章归纳了国内外学者对银行业产业组织的研究现状，对银行业市场结构和市场绩效研究的情况进行了介绍，对银行业产业组织的研究范畴进行了界定，确定了衡量银行业市场结构和绩效的方法。第二章，我国银行业产业组织结构分析。首先概括了我国银行业的产业组织变迁历程，将其按照产业组织变化的特点分为四个阶段，粗略描述了每个阶段的特征；其次，对我国银行业市场结构进行了量化分析，从总体情况、市场集中度和进出壁垒等方面衡量了我国银行业产业组织的变化，结合银行业变迁历程，指出了我国银行业经历了从完全垄断到寡头垄断的过程，近几年正经历着从寡头垄断到垄断竞争的过程；最后，在此基础上总结了具有中国特色的银行业产业组织变迁的特点。第三章，我国银行业产业组织结构下市场绩效研究。这部分对银行业市场绩效进行分析，首先对银行业市场绩效进行了区分，即不同阶段，不同时期，银行业在我国经济中发挥着不同作用，并把对银行业的市场绩效评价分为两部分，第一部分是1978年-1995年阶段，银行业承担了较多的改革成本，基本没有关注微观绩效，第二部分是1995年以后，银行业现代企业制度逐步建立，开始注重微观绩效，并通过正外部性促进经济社会增长；接着，对银行业市场绩效、市场结构以及经济增长进行了量化分析，侧重点在于说明市场绩效与市场结构的关系，以及促进经济增长的积极作用；最后，分析了近年来我国银行业市场绩效不断改善的主要原因。第四章，我国银行业产业组织优化路径。本章概括分析了我国银行业产业组织存在的制约因素，据此提出了进一步优化我国银行业产业组织的政策建议。结论部分主要对整篇文章的核心思想及主要论点加以概括。
[Abstract]:Since the reform and opening up, the banking industry, as the core of the financial system, is the backbone to ensure the sustained and rapid economic growth of our country. Reviewing the development of banking industry, under the background of economic reform, the banking industry has undergone a long and huge change and played different special roles in different historical periods. As a special industry, the banking industry has a high degree of correlation with the national economy, and its development and transformation are more complex than other departments. At the same time, the banking industry also presents a track of industrial organization evolution in the process of reform and change. From the angle of industrial organization, this paper probes into the reform and development of China's banking industry, sums up the successful reform experiences of the past banking industry, and clarifies the problems existing in the development of the banking industry. It is of great theoretical and practical significance to provide relevant policy suggestions for the healthy development of the banking industry in the next stage. This paper is divided into three parts: introduction, text and conclusion: the introduction introduces the research background of this paper, summarizes the current research situation of banking industry organization, and points out the research route, method and route of this paper. From the embodiment of this article has profound theoretical and practical significance. The text is divided into four chapters: the first chapter, the banking industry organization structure and market performance overview. This chapter summarizes the current situation of domestic and foreign scholars' research on banking industry organization, introduces the market structure and market performance of banking industry, and defines the research scope of banking industry organization. The method of measuring the structure and performance of banking market is determined. The second chapter analyzes the industrial structure of banking industry in China. Firstly, the paper summarizes the course of industrial organization change of China's banking industry, divides it into four stages according to the characteristics of industrial organization change, and roughly describes the characteristics of each stage; secondly, it makes a quantitative analysis on the market structure of China's banking industry. This paper measures the changes of banking industry organization in China from the aspects of market concentration and barriers to entry and exit, and points out that China's banking industry has experienced a process from complete monopoly to oligopoly. In recent years, it is going through the process from oligopoly to monopoly competition. Finally, it summarizes the characteristics of banking industry organization change with Chinese characteristics. The third chapter, the market performance research under the banking industry organization structure of our country. This part analyzes the market performance of the banking industry. Firstly, it distinguishes the market performance of the banking industry, that is, the banking industry plays different roles in China's economy in different stages and periods. The market performance evaluation of the banking industry is divided into two parts. The first part is the period from 1978 to 1995. The banking industry bears a lot of reform costs and does not pay much attention to the micro performance. The second part is after 1995. The modern enterprise system of the banking industry is gradually established, which begins to pay attention to micro performance, and promotes economic and social growth through positive externalities. Then, the paper makes a quantitative analysis of the market performance, market structure and economic growth of the banking industry. The emphasis is on explaining the relationship between market performance and market structure, as well as the positive role of promoting economic growth. Finally, the paper analyzes the main reasons for the continuous improvement of market performance in China's banking industry in recent years. The fourth chapter, China's banking industry organization optimization path. This chapter summarizes and analyzes the restrictive factors of banking industry organization in China, and puts forward some policy suggestions for further optimization of banking industry organization in China. The conclusion part summarizes the core ideas and main arguments of the whole article.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.3

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