本文關(guān)鍵詞：我國(guó)銀行業(yè)壟斷問(wèn)題研究　出處：《中共中央黨�！�2012年碩士論文　論文類型：學(xué)位論文

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【摘要】：銀行是經(jīng)營(yíng)貨幣信用業(yè)務(wù)的金融機(jī)構(gòu)，通過(guò)發(fā)行信用貨幣、管理貨幣流通、調(diào)劑資金供求、辦理貨幣存貸與結(jié)算，充當(dāng)信用的中介人。銀行是最主要的金融機(jī)構(gòu)，是國(guó)民經(jīng)濟(jì)運(yùn)轉(zhuǎn)的樞紐，對(duì)國(guó)民經(jīng)濟(jì)發(fā)展起到重要的作用。但是在我國(guó)銀行業(yè)的發(fā)展過(guò)程中，壟斷卻成為其主要特點(diǎn)，嚴(yán)重制約了銀行發(fā)揮國(guó)民經(jīng)濟(jì)運(yùn)轉(zhuǎn)中樞的作用。在經(jīng)濟(jì)全球化和我國(guó)“轉(zhuǎn)方式、調(diào)結(jié)構(gòu)”的大背景下，對(duì)銀行業(yè)壟斷的改革呼聲日益高漲。本文試圖從我國(guó)銀行業(yè)發(fā)展現(xiàn)狀出發(fā)，提出打破我國(guó)銀行業(yè)壟斷的對(duì)策建議。 本文首先對(duì)國(guó)內(nèi)外研究銀行業(yè)壟斷的文獻(xiàn)做了回顧，并對(duì)本文的研究方法做了介紹。其次，文章用總資產(chǎn)、存貸款、盈利狀況等指標(biāo)對(duì)我國(guó)銀行業(yè)發(fā)展現(xiàn)狀做了詳細(xì)論述以說(shuō)明其壟斷表現(xiàn)。文章在第三部分對(duì)我國(guó)銀行業(yè)為什么會(huì)呈現(xiàn)出壟斷趨勢(shì)做出了分析，說(shuō)明歷史原因形成的行政干預(yù)是造成銀行業(yè)壟斷的根本原因，進(jìn)而又引申出利率管制、較高進(jìn)入門檻等方面原因。最后，文章針對(duì)形成我國(guó)銀行業(yè)壟斷的原因提出對(duì)策，，即：一方面要破除行政干預(yù)，加快利率市場(chǎng)化的進(jìn)程，降低銀行業(yè)準(zhǔn)入門檻，發(fā)揮市場(chǎng)在資源配置中的基礎(chǔ)性作用，同時(shí)加強(qiáng)對(duì)銀行業(yè)的監(jiān)管；另一方面，還要從銀行自身業(yè)務(wù)能力下功夫，優(yōu)化業(yè)務(wù)結(jié)構(gòu)，發(fā)展非利息收入業(yè)務(wù)。通過(guò)這些措施破除我國(guó)銀行業(yè)壟斷的局面。
[Abstract]:The bank is the financial institution which manages the money credit business, through issuing the credit currency, manages the currency circulation, adjusts the fund supply and demand, handles the money deposit, the loan and the settlement. The bank is the most important financial institution and the hub of the national economy, which plays an important role in the development of the national economy. But in the process of the development of the banking industry in our country. However, monopoly has become its main characteristic, which has seriously restricted the banks from playing the role of national economic operation center. Under the background of economic globalization and "changing mode and adjusting structure" in our country. Based on the present situation of banking industry in China, this paper tries to put forward some countermeasures and suggestions to break the monopoly of banking industry in China. Firstly, this paper reviews the domestic and foreign literature on banking monopoly, and introduces the research methods of this paper. Secondly, the article uses total assets, deposits and loans. Profit status and other indicators of the development of the banking industry in China to make a detailed description of its monopoly performance. The third part of the banking industry in our country why there is a monopoly trend is analyzed. Explain the historical reasons of the formation of administrative intervention is the root cause of banking monopoly, and then extend the interest rate control, higher entry threshold and other reasons. Finally. On the one hand, we should break the administrative intervention, speed up the process of interest rate marketization and lower the entry threshold of the banking industry. Give full play to the fundamental role of the market in the allocation of resources, while strengthening the supervision of the banking industry; On the other hand, we should make great efforts to optimize the business structure and develop the non-interest income business from the bank's own business ability.
【學(xué)位授予單位】：中共中央黨校
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.1

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