發(fā)布時(shí)間：2018-01-08 20:07

  本文關(guān)鍵詞：我國(guó)國(guó)有商業(yè)銀行獲取高額壟斷利潤(rùn)的社會(huì)影響及對(duì)策研究　出處：《湖北工業(yè)大學(xué)》2013年碩士論文　論文類(lèi)型：學(xué)位論文

  更多相關(guān)文章： 國(guó)有商業(yè)銀行 銀行業(yè) 壟斷 高額利潤(rùn) 社會(huì)影響 對(duì)策研究

【摘要】：近年來(lái)，我國(guó)經(jīng)濟(jì)進(jìn)入了緩慢增長(zhǎng)時(shí)期，各行業(yè)的利潤(rùn)也急劇下滑。但以銀行業(yè)為代表的很多原來(lái)把握著“國(guó)民經(jīng)濟(jì)命脈”并控制著國(guó)民經(jīng)濟(jì)“制高點(diǎn)”的國(guó)有企業(yè)的先天性壟斷地位卻在進(jìn)一步加強(qiáng)，獲取的高額壟斷利潤(rùn)在整體經(jīng)濟(jì)低迷的對(duì)比下顯得格外顯眼。 當(dāng)我國(guó)銀行業(yè)獲取的高額壟斷利潤(rùn)與當(dāng)前工業(yè)企業(yè)等實(shí)體經(jīng)濟(jì)的困境形成鮮明對(duì)比時(shí)，以國(guó)有商業(yè)銀行為主的我國(guó)銀行業(yè)在經(jīng)濟(jì)發(fā)展中的作用再次遭受質(zhì)疑。銀行業(yè)的發(fā)展前景和改革的方向在哪里？這些都是在提出銀行業(yè)改革對(duì)策建議時(shí)需要研究和解決的重大問(wèn)題。 通過(guò)對(duì)國(guó)內(nèi)外有關(guān)資料的分析，本論文認(rèn)為，在我國(guó)政府和金融主管部門(mén)對(duì)銀行業(yè)的發(fā)展和改革思路，究竟應(yīng)該是政府主導(dǎo)還是市場(chǎng)運(yùn)營(yíng)都沒(méi)有一個(gè)系統(tǒng)的、深刻的、科學(xué)的闡釋?zhuān)辉谡w銀行業(yè)服務(wù)的理念和銀行業(yè)的反壟斷體系都需要認(rèn)真定位和構(gòu)建�；诖�，本文以目前我國(guó)商業(yè)銀行為研究對(duì)象，，主要是四大國(guó)有商業(yè)銀行和十二家股份制商業(yè)銀行。從學(xué)界廣泛討論的競(jìng)爭(zhēng)和壟斷入手，用市場(chǎng)經(jīng)濟(jì)的自由市場(chǎng)競(jìng)爭(zhēng)理論和SCP范式分析方法對(duì)我國(guó)銀行業(yè)市場(chǎng)結(jié)構(gòu)，行為和績(jī)效做一個(gè)全面的理論分析，通過(guò)對(duì)我國(guó)銀行業(yè)利潤(rùn)來(lái)源的分析，對(duì)我國(guó)國(guó)有商業(yè)銀行通過(guò)制度性壟斷獲得的高額壟斷利潤(rùn)做一個(gè)定性，對(duì)國(guó)有商業(yè)銀行高額壟斷利潤(rùn)的社會(huì)影響做全面的分析和探討，并借鑒發(fā)達(dá)國(guó)家在銀行業(yè)發(fā)展上面的有益經(jīng)驗(yàn)，提出我國(guó)銀行業(yè)規(guī)范發(fā)展和改革的政策建議。 本論文可能的創(chuàng)新之處是在對(duì)我國(guó)國(guó)有商業(yè)銀行高額壟斷利潤(rùn)的社會(huì)影響做了深入分析后，就如何進(jìn)行銀行業(yè)改革—藏富于民提出建議對(duì)策：把重塑我國(guó)銀行業(yè)服務(wù)企業(yè)的理念放在首位；把我國(guó)銀行業(yè)的反壟斷體系的構(gòu)建作為促進(jìn)銀行業(yè)發(fā)展的長(zhǎng)效機(jī)制來(lái)建設(shè)；建立多層次和充分競(jìng)爭(zhēng)的資本體系；有計(jì)劃的逐步推進(jìn)利率市場(chǎng)化改革；以及創(chuàng)新銀行業(yè)開(kāi)拓國(guó)際市場(chǎng)的能力。
[Abstract]:In recent years, China's economy has entered a period of slow growth. However, the inherent monopoly status of many state-owned enterprises, which hold the lifeline of the national economy and control the "commanding height" of the national economy, has been further strengthened. The high monopoly profits achieved in the overall economic downturn in contrast is particularly conspicuous. When the high monopoly profits obtained by China's banking industry and the current industrial enterprises and other real economic difficulties form a sharp contrast. The role of China's banking industry, which is dominated by state-owned commercial banks, in economic development has been questioned again. Where are the prospects for the development of the banking industry and the direction of reform? These are the major problems that need to be studied and solved when putting forward banking reform countermeasures and suggestions. Through the analysis of the domestic and foreign data, this paper believes that the development and reform of the banking industry in China's government and financial authorities should be government-led or market operation is not a system. A profound, scientific interpretation; In the whole banking service concept and banking antitrust system need to be carefully located and constructed. Based on this, this paper takes the commercial banks of our country as the research object. It mainly consists of four state-owned commercial banks and 12 joint-stock commercial banks. Using the free market competition theory of market economy and SCP paradigm to analyze the structure, behavior and performance of China's banking market, and through the analysis of the source of the banking profit in China. This paper makes a qualitative analysis of the high monopoly profits obtained by the state-owned commercial banks through institutional monopoly, and makes a comprehensive analysis and discussion on the social impact of the high monopoly profits of the state-owned commercial banks. And draw lessons from the beneficial experience of the developed countries in the development of the banking industry, and put forward the policy recommendations on the normative development and reform of the banking industry in China. The possible innovation of this paper is to make an in-depth analysis of the social impact of the high monopoly profits of state-owned commercial banks in China. This paper puts forward some suggestions on how to carry out the banking reform-to store wealth among the people: to put the idea of reshaping the banking service enterprises in the first place; The construction of the antitrust system of China's banking industry is regarded as a long-term mechanism to promote the development of the banking industry. Establishing a multi-level and fully competitive capital system; Promote the reform of interest rate marketization step by step; And the ability of innovative banking to open up international markets.
【學(xué)位授予單位】：湖北工業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F832.33

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