入世五年我国银行业市场结构分析

2001年我国正式加入世界贸易组织,在银行业方面逐步取消对外资金融机构外汇业务服务对象的限制,相继开放若干城市的外资银行人民币经营业务,要素市场处于逐步开放之中.对此,文章通过采用哈佛学派的SCP范式,对入世五年来我国银行业的市场份额、市场集中度、产品差异以及产品进入壁垒等方面进行了分析,得出目前我国银行业进入壁垒高、创新不足、依然处于中等寡头垄断状态的结论.

Analysis of market structure of China bank industry after five years of WTO entry

China has gradually cancelled the restriction on operating foreign exchange in foreign capital financial institutions in China,and has successively opened the RMB operation in foreign banks in many cities of China in the past five years since China entered WTO in 2001.As a result,this paper u- ses SCP pattern of Harvard school to analyze market share,market centralization,diversity of bank products and bank's access barrier of China bank industry and draws the conclusion that China banks have high.access barrier,insufficient innovation t and are still oligopolistic.