本文關鍵詞： 銀行業(yè) 行政壟斷 ISCP框架 消極影響　出處：《四川師范大學》2017年碩士論文　論文類型：學位論文

【摘要】：近年來,隨著國家對市場經濟的重視,認識到要讓市場發(fā)揮決定性作用,逐步打破各種形式的壟斷,中國銀行業(yè)的發(fā)展與改革面臨前所未有的壓力與挑戰(zhàn)。當前我國銀行業(yè)的發(fā)展與改革已經到達了一個臨界點,銀行業(yè)后續(xù)的發(fā)展和壯大不得不面臨對存在已久的行政管制加以突破和改變,正確全面的認識銀行業(yè)存在的問題,不管是對整個行業(yè)還是國家經濟與金融的穩(wěn)定發(fā)展,都具有重要的意義。中國銀行業(yè)與國外存在顯著的差異,基于我國特殊的大環(huán)境下,銀行業(yè)存在突出的壟斷性,其產生存在非常強的制度因素,隸屬行政壟斷。因為我們國家的市場經濟體制起步較晚,所以尚未形成一個完善的體系,傳統(tǒng)的SCP分析框架并不適用于國內的現(xiàn)實狀況。本文就借鑒于良春構建的ISCP框架,增加了制度因素,對我國銀行業(yè)行政壟斷進行系統(tǒng)的分析與研究,具有很強的理論價值和指導意義。本文首先整理了國內外相關文獻綜述,其中包括壟斷和行政壟斷、銀行業(yè)行政壟斷以及ISCP研究理論的相關文獻,為下文的寫作奠定了堅實的理論基礎。其次文章闡述了中國銀行業(yè)行政壟斷的演化過程,從政治體制、經濟基礎、理論依據和制度變遷偏好四個方面分析了銀行業(yè)行政壟斷的原因。文章重點借鑒于良春構建的ISCP框架,結合銀行業(yè)自身特點,設立能夠體現(xiàn)銀行業(yè)行政壟斷水平的三級指標,并對其展開深層次剖析,反映出國內銀行業(yè)行政壟斷程度較深。由于本文界定行政壟斷為反壟斷法定義的違法行為,就從宏觀和微觀兩個層面來分析行政壟斷對我國經濟的消極影響。最后根據上文的系統(tǒng)分析,通過引鑒國際上銀行業(yè)反壟斷成功經驗,進而對國內銀行業(yè)改革以及行業(yè)壟斷規(guī)則完善提供相應建議與策略。
[Abstract]:In recent years, with the importance attached by the state to the market economy, it has been recognized that the market must play a decisive role and gradually break all forms of monopoly, The development and reform of China's banking industry is facing unprecedented pressures and challenges. At present, the development and reform of China's banking industry has reached a critical point. The subsequent development and expansion of the banking industry have to face the need to break through and change the long-existing administrative controls, correctly and comprehensively understand the problems existing in the banking industry, whether it is to the stable development of the whole industry or the national economy and finance. There are significant differences between China's banking industry and foreign countries. Based on the special environment of our country, the banking industry has outstanding monopoly, which has very strong institutional factors. Administrative monopoly. Because our country's market economic system started late, so has not formed a perfect system, the traditional SCP analysis framework is not suitable for the domestic reality. It is of great theoretical value and guiding significance to analyze and study systematically the administrative monopoly of banking industry in China. Firstly, this paper summarizes the relevant literature at home and abroad, including monopoly and administrative monopoly. The related documents of banking administrative monopoly and ISCP theory lay a solid theoretical foundation for the following writing. Secondly, the article expounds the evolution process of China's banking administrative monopoly, from the political system, the economic basis, This paper analyzes the reasons of banking administrative monopoly from four aspects: theoretical basis and institutional change preference. This paper focuses on drawing lessons from the ISCP framework constructed by Yu Liangchun and combining with the characteristics of banking industry to set up a three-level index which can reflect the level of banking administrative monopoly. The deep analysis shows that the degree of administrative monopoly in domestic banking is deep. Because this article defines the administrative monopoly as the illegal act defined by the anti-monopoly law, This paper analyzes the negative effects of administrative monopoly on China's economy from the macro and micro aspects. Finally, according to the above systematic analysis, through drawing lessons from the successful anti-monopoly experience of the international banking industry, Then it provides corresponding suggestions and strategies for the reform of domestic banking and the perfection of monopoly rules.
【學位授予單位】：四川師范大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832

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