基于ISCP框架的中国银行业行政垄断研究

发布时间：2018-02-28 05:24

本文关键词： 银行业行政垄断 ISCP框架消极影响　出处：《四川师范大学》2017年硕士论文　论文类型：学位论文

【摘要】：近年来,随着国家对市场经济的重视,认识到要让市场发挥决定性作用,逐步打破各种形式的垄断,中国银行业的发展与改革面临前所未有的压力与挑战。当前我国银行业的发展与改革已经到达了一个临界点,银行业后续的发展和壮大不得不面临对存在已久的行政管制加以突破和改变,正确全面的认识银行业存在的问题,不管是对整个行业还是国家经济与金融的稳定发展,都具有重要的意义。中国银行业与国外存在显著的差异,基于我国特殊的大环境下,银行业存在突出的垄断性,其产生存在非常强的制度因素,隶属行政垄断。因为我们国家的市场经济体制起步较晚,所以尚未形成一个完善的体系,传统的SCP分析框架并不适用于国内的现实状况。本文就借鉴于良春构建的ISCP框架,增加了制度因素,对我国银行业行政垄断进行系统的分析与研究,具有很强的理论价值和指导意义。本文首先整理了国内外相关文献综述,其中包括垄断和行政垄断、银行业行政垄断以及ISCP研究理论的相关文献,为下文的写作奠定了坚实的理论基础。其次文章阐述了中国银行业行政垄断的演化过程,从政治体制、经济基础、理论依据和制度变迁偏好四个方面分析了银行业行政垄断的原因。文章重点借鉴于良春构建的ISCP框架,结合银行业自身特点,设立能够体现银行业行政垄断水平的三级指标,并对其展开深层次剖析,反映出国内银行业行政垄断程度较深。由于本文界定行政垄断为反垄断法定义的违法行为,就从宏观和微观两个层面来分析行政垄断对我国经济的消极影响。最后根据上文的系统分析,通过引鉴国际上银行业反垄断成功经验,进而对国内银行业改革以及行业垄断规则完善提供相应建议与策略。
[Abstract]:In recent years, with the importance attached by the state to the market economy, it has been recognized that the market must play a decisive role and gradually break all forms of monopoly, The development and reform of China's banking industry is facing unprecedented pressures and challenges. At present, the development and reform of China's banking industry has reached a critical point. The subsequent development and expansion of the banking industry have to face the need to break through and change the long-existing administrative controls, correctly and comprehensively understand the problems existing in the banking industry, whether it is to the stable development of the whole industry or the national economy and finance. There are significant differences between China's banking industry and foreign countries. Based on the special environment of our country, the banking industry has outstanding monopoly, which has very strong institutional factors. Administrative monopoly. Because our country's market economic system started late, so has not formed a perfect system, the traditional SCP analysis framework is not suitable for the domestic reality. It is of great theoretical value and guiding significance to analyze and study systematically the administrative monopoly of banking industry in China. Firstly, this paper summarizes the relevant literature at home and abroad, including monopoly and administrative monopoly. The related documents of banking administrative monopoly and ISCP theory lay a solid theoretical foundation for the following writing. Secondly, the article expounds the evolution process of China's banking administrative monopoly, from the political system, the economic basis, This paper analyzes the reasons of banking administrative monopoly from four aspects: theoretical basis and institutional change preference. This paper focuses on drawing lessons from the ISCP framework constructed by Yu Liangchun and combining with the characteristics of banking industry to set up a three-level index which can reflect the level of banking administrative monopoly. The deep analysis shows that the degree of administrative monopoly in domestic banking is deep. Because this article defines the administrative monopoly as the illegal act defined by the anti-monopoly law, This paper analyzes the negative effects of administrative monopoly on China's economy from the macro and micro aspects. Finally, according to the above systematic analysis, through drawing lessons from the successful anti-monopoly experience of the international banking industry, Then it provides corresponding suggestions and strategies for the reform of domestic banking and the perfection of monopoly rules.
【学位授予单位】：四川师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832

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