中国银行业市场竞争结构研究  

A Study of the Structure of the Market Competition in Chinese Banking Sector

作　　者：仲伟周[1] 斯煌霏[1] 

机构地区：[1]西安交通大学经济与金融学院

出　　处：《金融论坛》2013年第4期41-47,共7页Finance Forum

基　　金：教育部新世纪优秀人才支持计划(NCET-08-0450);西安交通大学"985工程"二期(07200701)

摘　　要：本文运用P—R模型测量了中国14家商业银行2000-2011年的竞争程度，结果表明：（1）中国银行业的竞争程度较高并存在波动，没有形成稳定均衡的垄断竞争结构，因此，用高垄断导致高收入来解释金融业的收入并不十分恰当；（2）中国银行业的高集中度和高竞争性并存，这是银行业自身特殊情况导致的，传统的产业结构理论并不适合于中国银行业；（3）传统存贷款业务仍然是中国银行的业务核心，但是其他业务的发展较快，两者之间竞争程度的差距正在逐渐缩小。中国银行业应加快对内开放，消除民间资本的准入壁垒。This paper uses the P-R model to measure the competition of Chinese 14 commercial banks during 2000-2011. The results show： （1）the competition in Chinese banking sector is intense and fluctuating and it has not formed a stable and equilibrium monopoly-competition structure, therefore, the explanation for the income of the banking sector that high monopoly leads to high income is not fully correct; （2）high concentration and high competion coexist in Chinese banking sector, which is due to the features of the banking sector, and the traditional theory of industrial structure is not suitable for Chinese banking sector;（3）the traditional deposit and loan business is still the core business of Chinese banks, but the other business develops rapidly and the difference in competition degree betwwen the both is gradually reducing. Chinese banking sector should speed up the internal opening to eliminate the access barriers to private capitals.

关 键 词：中国银行业 银行业市场结构 垄断竞争 存货款业务 

分 类 号：F832.3[经济管理—金融学]