本文關鍵詞： 銀行業(yè) 市場結構 市場績效 傳統(tǒng)共謀假說 效率結構假說　出處：《山東大學》2014年碩士論文　論文類型：學位論文

【摘要】：商業(yè)銀行是一類非常特殊的企業(yè),對國民經(jīng)濟和社會發(fā)展具有舉足輕重的作用。我國商業(yè)銀行經(jīng)歷了曲折的改革過程,其市場結構不斷演變,競爭程度也日益提高,但目前商業(yè)銀行業(yè)的整體競爭能力還比較低下。另外,伴隨著我國銀行業(yè)全面開放以及整個國民經(jīng)濟信息化速度的加快,銀行業(yè)面臨的問題尤其是產(chǎn)業(yè)組織方面的問題日益顯性化。為有效提高銀行整體競爭能力和解決產(chǎn)業(yè)組織方面的問題,就必須對銀行業(yè)市場結構和市場績效以及二者之間的關系進行研究,以從現(xiàn)實情況中找到解決問題的途徑。 本文擬通過對我國銀行業(yè)市場結構與市場績效的諸多衡量指標進行實證分析,從而獲得對我國銀行業(yè)市場結構與績效狀況的基本認識和判斷,在此基礎上對關于市場結構與市場績效關系的“傳統(tǒng)共謀假說”和“效率結構假說”是否在中國銀行業(yè)成立進行檢驗,以求對中國銀行業(yè)市場結構和績效的關系作深入了解,在理論上和實務上有一定的借鑒意義。 本文以產(chǎn)業(yè)組織理論為背景,通過對市場結構與市場績效理論基礎進行闡述、對市場結構理論、市場績效理論以及二者之間的關系在國內外的研究現(xiàn)狀進行整理與總結,在此基礎上構造我國銀行業(yè)市場結構與市場績效以及二者關系的實證模型,并以5家大型國有銀行、12家股份制銀行為基本樣本,以2003-2011為樣本區(qū)間,從市場份額、市場集中度、進入與退出壁壘三方面對我國銀行業(yè)市場結構進行實證分析,從資產(chǎn)收益率、資本收益率角度對我國銀行業(yè)市場績效進行實證分析,并對我國銀行業(yè)市場結構與市場績效關系進行相關性分析。實證結果發(fā)現(xiàn),我國銀行業(yè)的市場結構屬于寡頭壟斷型,但這種寡占局面正被逐步打破,市場競爭程度在逐步提高。但到目前為止,相對于股份制商業(yè)銀行以及其他商業(yè)銀行,五大國有商業(yè)銀行對銀行業(yè)的壟斷程度仍然較高。但與國有行壟斷地位不相符的是,股份制商業(yè)銀行和城市商業(yè)銀行的績效卻優(yōu)于國有銀行。對我國銀行業(yè)市場結構與市場績效關系的實證研究表明,“傳統(tǒng)共謀假說”和“效率結構假說”在中國銀行業(yè)均不成立。文章對這一結果進行了分析,并提出應從完善市場壁壘、推進利率市場化、提高銀行運行效率等方面優(yōu)化我國銀行業(yè)市場結構,提高銀行業(yè)績效。
[Abstract]:The commercial bank is a special type of enterprise, which plays an important role in the national economic and social development. China's commercial banks experienced a tortuous process of reform, the market structure changes, the degree of competition is also increasing, but the current commercial banks overall competitiveness is still relatively low. In addition, with the opening China's banking industry and the whole national economy informatization to speed up, the banking industry is facing problems especially in industrial organization problems increasingly apparent. In order to effectively improve the overall competitive ability of the banking industry organization and solve the problems, it is necessary to study the relationship between banking market structure and market performance and the two, in order to find the way to solve the problem from the reality.
This paper makes an empirical analysis on the market structure and market performance of China's banks in many indicators, in order to obtain the basic understanding and judgment of industry market structure and performance of China's banks, on the basis of the relationship between market structure and market performance of the "traditional collusion hypothesis" and "efficiency structure hypothesis" is established in Chinese banking inspection, in order to Chinese on the relationship between banking market structure and performance for in-depth understanding, has certain significance in theory and practice.
Based on the background of industrial organization theory, based on the market structure and market performance of theoretical basis, the theory of market structure, research status of the relationship between market performance theory and the two at home and abroad were collected and summarized, an empirical model of China's banking market structure and market performance and the relationship between the two constructs, and in 5 large state-owned banks, 12 joint-stock banks as the basic sample, with 2003-2011 sample data from the market share, the market concentration, the empirical analysis of China's banking market structure barriers to entry and exit three, from the perspective of asset returns, China's banking market performance an empirical analysis of the rate of return on capital, and the relationship between market structure and market performance of China's banks were analyzed. The empirical results show that the market structure of China's banking industry belongs to oligopoly But this type of oligopoly situation is being gradually broken, the market competition degree increased gradually. But so far, compared with joint-stock commercial banks and other commercial banks, five degree of monopoly of state-owned banks is still high. But with the state-owned monopoly status does not match, joint-stock commercial banks and city commercial bank's performance is better than state-owned banks. The empirical research on the relationship between market structure and market performance of China's Bank show that the "traditional collusion hypothesis and efficiency structure hypothesis are not established in the Chinese banking industry. This article analyzes the results and proposes to improve the market barriers, and promote the interest rate market and improve the bank efficiency aspects of the optimization of China's banking market structure, improve the performance of banking industry.

【學位授予單位】：山東大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.33

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