对非国有金融过度性竞争问题的经济学分析  

Economics' analysis on Excessive Competition of Non-state-owned Finance

作　　者：褚伟[1] 

机构地区：[1]西安交通大学经济与金融学院,陕西西安710061

出　　处：《山西财经大学学报》2001年第5期65-67,共3页Journal of Shanxi University of Finance and Economics

摘　　要：非国有金融在国有金融垄断市场剩余的狭小市场份额内所面临的金融竞争 ,既有来自国有金融的“成本竞争压力” ,也有自身无法取得规模经济的“收益竞争压力” ,呈现出高成本资金来源与高风险资金运作并存的过度竞争困境 ,地方政府的介入则在进入和退出环节起到了保护过度竞争的效用。在一定意义上讲 ,从过度竞争到有效竞争的改革进程 ,就是非国有金融进一步发展的逻辑。Non-state-owned finance survives in the smaller portion of market left by monopoly market of state-owned finance and is facing severe finance competition from 'cost competition pressure' of state-owned finance and from 'revenue competition pressure' of large-scale economy that non-state-owned finance can not realize. Non-state-owned finance is in difficult environment of excessive competition because of fund with high cost and more risk in operation. The intervention of local government plays a role in protecting excessive competition at entering and seceding links. In some sense the process from excessive competition to effective competition is the logical development of non-state-owned finance.

关 键 词：地方政府介入 非国有金融机构 过度竞争 规模经济 

分 类 号：F832.1[经济管理—金融学]