国有商业银行垄断结构现状及对策研究

国有独资商业银行在中国银行体系中扮演着举足轻重的角色,针对其垄断性市场结构严重影响其经济效率的提高和竞争作用的发挥这一现状,指出解决这一问题的关键在于对国有银行进行产权制度改革,建立公平的市场准入机制以及开放价格管制,推动利率市场化,从而促进中国金融体系的完善,满足宏观经济政策实施的需要。

On the Status Quo of State-owned Commercial Bank's Monopoly Structure and Its Countermeasures

The finance system of China has undergone great changes since practicing reform and opening policy. However, monopoly exists in the integrated finance system all along, which does harm to the competition among the state-owned banks, joint-stock banks, city credit corporation institutions and foreign banks. There are many factors that result in the monopoly market structure. This paper thinks that the strict market access regulation and depriving pricing are the main reasons. In order to solve this problem, it is urgent for the government to loose the accessing regulations, reform the property right of the state-owned banks and cancel the price regulations so as to promote interest-rate market conduct.