优化我国商业银行市场结构的产业政策研究

发布时间：2018-05-11 05:02

本文选题：商业银行 + 市场结构　；参考：《河北联合大学》2014年硕士论文

【摘要】：产业政策是一国政府为了实现特定的经济和社会目标，综合运用经济、法律和行政手段对产业活动进行干预而制定的各种政策，它是市场为中心，以资源配置为手段，以经济发展为最终目的的经济调整工具。产业政策的制订应当以市场结构保持合理性为基础，而市场结构不合理，会影响产业政策的制订和调整。因此市场结构和产业政策之间有着相互影响的关系。我国商业银行的很多问题和矛盾与其市场结构特征和产业政策也有很大关系，本文将讨论重点放在商业银行市场结构和与市场结构密切相关的产业政策上，进一步探讨二者之间的关系，，并据此提出优化市场结构而应进行的产业政策调整措施。本文共分为六章，第一章为绪论，包括选题背景及意义、研究方案、国内外商业银行政策及市场结构研究综述；第二章为商业银行市场结构和产业政策界定及相关理论基础，界定了商业银行市场结构和产业政策的概念，提出了论文的理论基础市场结构理论，论证了市场结构和产业政策的关系，阐明产业政策的制订和调整应当以市场结构的合理性为基础，市场结构出现不合理状态时应适时适当调整产业政策，以使市场结构趋于合理；第三章为国外商业银行市场结构的变化与主要产业政策，分析了美国、欧盟商业银行产业政策的调整给其商业银行市场结构带来的改变；第四章为我国商业银行市场结构的实证分析，用实证分析的方法分析我国商业银行市场结构的状况，指出我国商业银行市场结构的不合理性；第五章为我国商业银行产业政策对其市场结构的影响分析，分析我国商业银行产业政策对商业银行市场结构的不合理性造成的影响；第六章为优化我国商业银行市场结构的产业政策调整，指出我国应当就放宽国有商业银行的政策管制，降低中小商业银行准入壁垒，放款利率管制、推进利率市场化改革，完善商业银行退出机制等方面对产业政策进行相应的调整。
[Abstract]:Industrial policy is a variety of policies formulated by a government in order to realize the specific economic and social goals and comprehensively use economic, legal and administrative means to intervene in industrial activities. It is market-oriented and takes the allocation of resources as the means. An economic adjustment tool for the ultimate purpose of economic development. The formulation of industrial policy should be based on the rationality of market structure, which will affect the formulation and adjustment of industrial policy. Therefore the market structure and the industrial policy have the mutual influence relations. Many problems and contradictions of commercial banks in China are also related to their market structure characteristics and industrial policies. This paper will focus on the market structure of commercial banks and the industrial policies closely related to the market structure. Furthermore, the relationship between them is discussed, and the industrial policy adjustment measures are put forward to optimize the market structure. This paper is divided into six chapters, the first chapter is the introduction, including the background and significance of the topic, research programs, domestic and foreign commercial bank policies and market structure, the second chapter is the commercial bank market structure and industrial policy definition and related theoretical basis. This paper defines the concepts of market structure and industrial policy of commercial banks, puts forward the theoretical basis of the theory of market structure, and demonstrates the relationship between market structure and industrial policy. It is expounded that the formulation and adjustment of industrial policy should be based on the rationality of the market structure, and the industrial policy should be adjusted appropriately when the market structure is unreasonable, so as to make the market structure more reasonable. The third chapter is the changes of the market structure of foreign commercial banks and the main industrial policies, and analyzes the changes brought about by the adjustment of the industrial policies of the commercial banks of the United States and the European Union to the market structure of the commercial banks. The fourth chapter is the empirical analysis of the market structure of China's commercial banks, and points out the irrationality of the market structure of our country's commercial banks by using the method of empirical analysis. The fifth chapter analyzes the influence of China's commercial bank industrial policy on its market structure, and analyzes the impact of China's commercial bank industry policy on the market structure of commercial banks. The sixth chapter is to optimize the industrial policy adjustment of commercial bank market structure of our country, point out that our country should relax the policy regulation of state-owned commercial bank, reduce the entrance barrier of small and medium-sized commercial bank, control the loan interest rate, promote the reform of marketization of interest rate. Improve the withdrawal mechanism of commercial banks and other aspects of industrial policy adjustment.
【学位授予单位】：河北联合大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

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