【作者】 薛燕；

【导师】 吕立志；

【作者基本信息】 南京航空航天大学 ， 产业经济学， 2009， 硕士

【摘要】 产业组织理论是微观经济学在不完全竞争市场上的应用,通过结构-行为-绩效范式(简称SCP范式)研究特定产业的市场结构、市场行为、市场绩效及三者之间的相互关系。随着2006年我国银行业进入全面对外开放,在此背景下如何优化商业银行的市场结构,规范市场行为,提高市场绩效,已成为我国经济和金融发展中亟待解决的重要问题。本文以SCP范式为分析框架,结合金融学相关知识,在银行业市场开放背景下,对我国商业银行的市场结构、市场行为、市场绩效进行分析,并提出调整和优化商业银行产业组织的若干建议。首先,回顾产业组织理论的发展变化以及我国银行业对外开放的历程,并对SCP分析框架在我国银行业的适用性进行说明与修正;其次,运用市场份额、市场集中度、产品差异化、进退壁垒指标对我国商业银行市场结构进行实证分析,并就相关指标与国外银行进行比较,从而进一步阐述银行业全面对外开放对市场结构的影响;第三,从价格行为和非价格行为角度对我国商业银行的市场行为现状进行说明,以银行卡细分市场为例运用博弈论方法对价格行为进行实证分析,从而进一步阐述银行业全面对外开放对市场行为的影响;第四,从盈利性、流动性、安全性方面入手,揭示我国商业银行市场绩效的现状,运用相关指标对市场绩效、市场结构与市场绩效之间的相互关系进行实证分析,并阐述银行业全面对外开放对市场绩效的影响;最后,针对我国商业银行产业组织的特点,从SCP的角度对我国商业银行产业组织提供有针对性的对策和建议。更多还原

【Abstract】 The theory of industrial organization is the application of microeconomics in the imperfect competitive market.It focuses on the structure,conduct,performance and their relationship on the specific market by the Structure-Conduct-Performance Paradigm (SCP Paradigm).With Chinese banking has entered into all opening up,how to optimize market structure, regulate market conduct and improve maket performance under the background of opening banking market have been the important problems to be solved in the process of economic and finance development.Based on the theory of industrial organization and financial knowledges,this paper analyzes market structure,market conduct and maket performance of cunrrent commercial banking industry in China by the SCP Paradigm under the background of opening banking market,and then puts forward some suggestions on how to adjust and optimize the commercial banking industrial organization in order to give the theory and empirical analysis of the banking industrial organization in China.This paper is divided into five parts.In the first part,by reviewing the development of industrial organization theory and opening-up of Chinese banking industry,it analyzes the applicability of SCP Paradigm on the banking industry and puts forward a modified framework.The second part,it makes an empirical analysis on the market structure of Chinese commercial banking by use of the indicators of market share,market concentration,product differentiation,and entry and exit barrier.On the basis of international comparison,it also discusses the impacts of opening-up Chinese banking on the market structure.In the third part,it shows that the market conduct status of Chinese commercial banking from the perspectives of price conduct and non-price conduct.Using the bank card segment market as an example,it makes an empirical analysis on the pirce conduct of Chinese commercial banking by the game theory and anlyzes the effects of opening-up Chinese banking on the market conduct.In the fourth part,based on the discussion of market perforamce status of Chinese commercial banking,it uses some financial indexes to explain and analyse the market performance, the relationship between market structure and market performance.It also illustrates that the influences of opening-up Chinese banking on the market performance.According to the features of Chinese commercial banking industry,the fifth part makes some suggestions from the aspects of market structure optimization,market conduct regulation and market performance improvement.更多还原