發(fā)布時(shí)間：2018-08-24 13:02

【摘要】：在國際化浪潮的推動下，國際金融集團(tuán)日漸強(qiáng)大，傳統(tǒng)的金融領(lǐng)域及金融產(chǎn)品之間的界限日漸模糊。國內(nèi)學(xué)者探討了我國金融業(yè)走與國際接軌的混業(yè)經(jīng)營道路的可能性，認(rèn)為銀證保合作是現(xiàn)階段我國金融業(yè)發(fā)展的必經(jīng)之路。論文對我國金融市場的競爭程度的研究，對促進(jìn)我國金融改革和創(chuàng)新的實(shí)踐、制定合適的發(fā)展和監(jiān)管政策和提高我國金融業(yè)的整體競爭力具有重要意義。 論文從銀證保合作的角度對我國金融業(yè)的競爭程度展開研究，首先對銀證保合作的背景進(jìn)行闡述，接著綜述國內(nèi)外金融市場競爭程度的研究現(xiàn)狀，然后在研究產(chǎn)業(yè)組織學(xué)的競爭理論基礎(chǔ)上選擇PR模型作為研究方法，分析了PR模型在我國金融業(yè)的適用性，在考慮金融業(yè)的共性因素基礎(chǔ)上構(gòu)建出適用于我國金融業(yè)的PR模型，對銀證保合作形成的金融總體市場、銀證、銀保和證保市場以及單個(gè)市場的競爭程度進(jìn)行了實(shí)證檢驗(yàn)。 論文的實(shí)證結(jié)果顯示：2004-2010年間，我國金融業(yè)總體為壟斷競爭結(jié)構(gòu)，壟斷程度下降，競爭程度增大。除銀證市場和證保市場在2003-2006年間為完全壟斷市場外，銀證市場、銀保市場和證保市場基本呈現(xiàn)為壟斷競爭結(jié)構(gòu)。銀行、證券和保險(xiǎn)單個(gè)市場大體處于壟斷競爭中，僅保險(xiǎn)業(yè)在2007-2010年間呈現(xiàn)出壟斷結(jié)構(gòu)�？傮w市場的競爭程度主要由銀證市場和銀保市場決定，，且各市場之間存在相互制約的競爭關(guān)系。最后，文章結(jié)合實(shí)際對實(shí)證結(jié)果進(jìn)行了合理的解釋。
[Abstract]:Driven by the wave of internationalization, international financial groups become more and more powerful, and the boundaries between traditional financial fields and financial products become increasingly blurred. Domestic scholars have discussed the possibility of China's financial industry taking the road of mixed operation in line with international standards, and considered that the cooperation between bank, securities and insurance is the only way to develop our financial industry at the present stage. The research on the competition degree of our country's financial market is of great significance to promote the practice of our country's financial reform and innovation, to formulate appropriate development and supervision policies and to improve the overall competitiveness of our financial industry. This paper studies the competition degree of China's financial industry from the angle of the cooperation of bank, security and insurance. Firstly, it expounds the background of the cooperation, and then summarizes the current situation of the research on the degree of competition in domestic and foreign financial markets. Then, on the basis of studying the competition theory of industrial organization, we choose PR model as the research method, analyze the applicability of PR model in China's financial industry, and construct the PR model suitable for our financial industry on the basis of considering the common factors of financial industry. The paper makes an empirical test on the competition degree of the overall financial market, the banking market, the bank insurance market and the security market, as well as the single market. The empirical results show that from 2004 to 2010, the financial industry of our country is a monopoly competition structure, the monopoly degree decreases and the competition degree increases. In addition to the total monopoly of the silver market and the security market in 2003-2006, the silver market, the banking market and the security market basically present the structure of monopoly competition. Banks, securities and insurance policy markets are largely in monopoly competition, with only the insurance industry showing a monopoly structure between 2007 and 2010. The competition degree of the overall market is mainly determined by the banking market and the bank insurance market, and there is a mutually restricted competition relationship among the markets. Finally, the article carries on the reasonable explanation to the demonstration result combining the actual situation.
【學(xué)位授予單位】：合肥工業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F224;F832.5

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