本文選題：商業(yè)銀行 + 市場結構　； 參考：《河北聯(lián)合大學》2014年碩士論文

【摘要】：產(chǎn)業(yè)政策是一國政府為了實現(xiàn)特定的經(jīng)濟和社會目標，綜合運用經(jīng)濟、法律和行政手段對產(chǎn)業(yè)活動進行干預而制定的各種政策，它是市場為中心，以資源配置為手段，以經(jīng)濟發(fā)展為最終目的的經(jīng)濟調整工具。產(chǎn)業(yè)政策的制訂應當以市場結構保持合理性為基礎，而市場結構不合理，會影響產(chǎn)業(yè)政策的制訂和調整。因此市場結構和產(chǎn)業(yè)政策之間有著相互影響的關系。我國商業(yè)銀行的很多問題和矛盾與其市場結構特征和產(chǎn)業(yè)政策也有很大關系，本文將討論重點放在商業(yè)銀行市場結構和與市場結構密切相關的產(chǎn)業(yè)政策上，進一步探討二者之間的關系，，并據(jù)此提出優(yōu)化市場結構而應進行的產(chǎn)業(yè)政策調整措施。 本文共分為六章，第一章為緒論，包括選題背景及意義、研究方案、國內(nèi)外商業(yè)銀行政策及市場結構研究綜述；第二章為商業(yè)銀行市場結構和產(chǎn)業(yè)政策界定及相關理論基礎，界定了商業(yè)銀行市場結構和產(chǎn)業(yè)政策的概念，提出了論文的理論基礎市場結構理論，論證了市場結構和產(chǎn)業(yè)政策的關系，闡明產(chǎn)業(yè)政策的制訂和調整應當以市場結構的合理性為基礎，市場結構出現(xiàn)不合理狀態(tài)時應適時適當調整產(chǎn)業(yè)政策，以使市場結構趨于合理；第三章為國外商業(yè)銀行市場結構的變化與主要產(chǎn)業(yè)政策，分析了美國、歐盟商業(yè)銀行產(chǎn)業(yè)政策的調整給其商業(yè)銀行市場結構帶來的改變；第四章為我國商業(yè)銀行市場結構的實證分析，用實證分析的方法分析我國商業(yè)銀行市場結構的狀況，指出我國商業(yè)銀行市場結構的不合理性；第五章為我國商業(yè)銀行產(chǎn)業(yè)政策對其市場結構的影響分析，分析我國商業(yè)銀行產(chǎn)業(yè)政策對商業(yè)銀行市場結構的不合理性造成的影響；第六章為優(yōu)化我國商業(yè)銀行市場結構的產(chǎn)業(yè)政策調整，指出我國應當就放寬國有商業(yè)銀行的政策管制，降低中小商業(yè)銀行準入壁壘，放款利率管制、推進利率市場化改革，完善商業(yè)銀行退出機制等方面對產(chǎn)業(yè)政策進行相應的調整。
[Abstract]:Industrial policy is a variety of policies formulated by a government in order to realize the specific economic and social goals and comprehensively use economic, legal and administrative means to intervene in industrial activities. It is market-oriented and takes the allocation of resources as the means. An economic adjustment tool for the ultimate purpose of economic development. The formulation of industrial policy should be based on the rationality of market structure, which will affect the formulation and adjustment of industrial policy. Therefore the market structure and the industrial policy have the mutual influence relations. Many problems and contradictions of commercial banks in China are also related to their market structure characteristics and industrial policies. This paper will focus on the market structure of commercial banks and the industrial policies closely related to the market structure. Furthermore, the relationship between them is discussed, and the industrial policy adjustment measures are put forward to optimize the market structure. This paper is divided into six chapters, the first chapter is the introduction, including the background and significance of the topic, research programs, domestic and foreign commercial bank policies and market structure, the second chapter is the commercial bank market structure and industrial policy definition and related theoretical basis. This paper defines the concepts of market structure and industrial policy of commercial banks, puts forward the theoretical basis of the theory of market structure, and demonstrates the relationship between market structure and industrial policy. It is expounded that the formulation and adjustment of industrial policy should be based on the rationality of the market structure, and the industrial policy should be adjusted appropriately when the market structure is unreasonable, so as to make the market structure more reasonable. The third chapter is the changes of the market structure of foreign commercial banks and the main industrial policies, and analyzes the changes brought about by the adjustment of the industrial policies of the commercial banks of the United States and the European Union to the market structure of the commercial banks. The fourth chapter is the empirical analysis of the market structure of China's commercial banks, and points out the irrationality of the market structure of our country's commercial banks by using the method of empirical analysis. The fifth chapter analyzes the influence of China's commercial bank industrial policy on its market structure, and analyzes the impact of China's commercial bank industry policy on the market structure of commercial banks. The sixth chapter is to optimize the industrial policy adjustment of commercial bank market structure of our country, point out that our country should relax the policy regulation of state-owned commercial bank, reduce the entrance barrier of small and medium-sized commercial bank, control the loan interest rate, promote the reform of marketization of interest rate. Improve the withdrawal mechanism of commercial banks and other aspects of industrial policy adjustment.
【學位授予單位】：河北聯(lián)合大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.33

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