中国银行业市场结构分析及其优化途径

摘要

In the view of industrial organization, this paper examined the market share and concentration ratios of the banking assets, deposit, loans and profit quota; and it was found out that chinese banking market is undergoing the transitional stage from oligopolistic market to the competitive one. Furthermore, the financial indexes of the banking industry were estimated and the current market performance was assessed from the aspects of profitability, cost and security. Based on the previous analysis, the problems existed in the current banking market structure were stated and the corresponding optimization approaches were put forward.%从产业组织的角度，对银行业资产、存贷款和利润指标的市场份额和集中度的测定，得出中国银行业市场正处于寡占向竞争过渡的阶段。同时，通过对银行业各项财务指标的测算，从盈利性、成本费用、流动性和安全性等方面对市场绩效现状进行了分析，发现了当前银行业市场结构中存在的问题，并指出了相应的优化途径。