中国银行业市场结构集中度的演进与改革

摘要

改革开放以前,政府为最大限度集中社会剩余资金支援工业化建设,建立一个高度垄断的金融组织体系。改革开放以来,在政府和市场双重力量的推动下,一个包括国有商业银行、股份制商业银行、政策性银行、合作银行在内的银行体系逐步形成,中国银行业市场结构集中度逐年降低。在当前国际金融形势发生新变化的背景下,中国银行业市场结构的演进不能再遵循原来的路径,政府应积极引导中国银行业市场结构向＂国进民进＂的方向迈进。%Market structure concentration is a common indicator in reflecting market monopoly degree.Before reforming and opening,the government established a highly monopolistic financial organization system in order to support industrialization construction.Under the impetus of the government and market forces,the concentration degree of Chinese banking market structure is decreasing since the reform.In the current international financial situation that undergoes a new change background,the evolution of the Chinese banking market structure cannot follow the original path.The government should guide the market structure of Chinese banking industry towards the direction of ＂the country and the pirivil into the association for promoting＂.