基于SCP范式的我国农村金融市场研究——以中国邮政储蓄银行为例  

A Study on Chinese Rural Financial Market 2003-2009 Based on SCP Paradigm:Taking the Case of Postal Savings Bank of China

作　　者：张正平[1,2] 王麦秀[1] 

机构地区：[1]北京工商大学经济学院,北京100048 [2]对外经济贸易大学应用经济学博士后流动站,北京100029

出　　处：《北京工商大学学报（社会科学版）》2011年第2期84-90,共7页JOURNAL OF BEIJING TECHNOLOGY AND BUSINESS UNIVERSITY:SOCIAL SCIENCES

基　　金：国家自然科学基金青年项目(71003022);中国博士后基金项目(20090460257);中国博士后基金特别资助项目(2010083);北京市委组织部优秀人才资助项目(2010D005003000009);北京市教委面上项目(SM201110011002)

摘　　要：本文以中国邮政储蓄银行为例,基于SCP范式对我国农村金融市场改革与发展的状况进行了实证分析。研究发现:在经历多年改革后,尽管我国农村金融市场集中度仍然较高,但总体上呈持续下降趋势,初步形成了多元化的农村金融市场结构,市场结构的改变导致邮政储蓄银行面对的竞争压力加大,促使其采取了一系列积极的市场行为,进而有力地改善了邮政储蓄银行的市场绩效。因此,应继续深化邮政储蓄银行等农村金融机构改革,推进农村金融体系多元化进程,增强农村金融市场竞争,构建一个多层次、广覆盖、适度竞争的农村金融市场。Taking the Postal Savings Bank of China（PSBC） as an example,this paper makes an empirical analysis of rural financial market in China based on the SCP paradigm.The research finds that despite the market concentration degree of Chinese rural financial market which is still relatively higher,it keeps decreasing on the whole during the reform,and basically builds up a diversified structure of rural financial market.In such a diversifying market,PSBC faces more severe competition and has to apply series of positive market behaviors which powerfully improve its market performance.Therefore,this paper proposes that China should continue deepening the reform of rural financial institutions like PSBC,and keep advancing the diversifying progress of rural financial market in order to further enhance the competition on the rural financial market,and try to build a multi-level rural financial market with wide coverage and moderate competition.

关 键 词：SCP范式 农村金融市场 中国邮政储蓄银行 

分 类 号：F830.5[经济管理—金融学] F832.35