Transition Period Of China Banking Industry Organization Study

Banking industry organization theory regards that:on the one hand,the banking market structure,to some extent,determines and influences the market conduct of the commercial banks,proceeds to the next step to determine and influence the banking market performance;on the other hand,the banking market conduct and market performance react on the market structure and affect the banking industry organization.Therefore,the strengthening of the vitality and the enhancement of the competitiveness of the Chinese banking industry depends,to a large extent,on the reasonable banking industry organization.On the foundation of the definition of the theory of industrial organization,this thesis will make a positive analysis on the Chinese banking industry organization during the transition period form the market structure, market conduct and market performance.Integrating the successful experiences of the foreign banking industry organization evolution with reality of the Chinese banking industry,this thesis will attempt to offer some reasonable possible policy options for the sustainable development of the chinese banking industry organization in the transition period.Introduction includes six parts:the background and significance of the topics,literature review,research ideas,research methods,technology of research and innovation.Emphasis to explain the background and significance of the selection of Chinese banking industry organizations as the topic,and the situation of research about the Chinese banking industry organization.This thesis can be divided into six chapters.Chapterâ… . This chapter is about the theory of banking industry organizations,make clear the measure methods of the banking industry organization base on the brief analysis of the concept of industrial organization,origin of theory and major schools of the industry organizations,to provide the foreshadowing for the following analysis.Chapterâ…¡.This chapter is about the features and the tendency of evolution of the international banking industrial organization.Through the analysis of banking industry organizations of the United States, European Union and Japan,grasp their market structure,market conduct and market performance comprehensively , and make clear the mainstream evolution trend of international banking industry organizations , including : the large banks continue to play the major character of bank mergers,especially cross-border mergers;the large-scale trend and asset centralized of banks increase the trade monopoly and deepen competition;majority of small and medium sized banks actively challenge for the survival of their own;the mixing trend of banking industry becomes more evident;the supervision department of every national bank turn to centralized and unified cross-sector from decentralized division of labor increasingly.Chapterâ…¢.Chinese banking market structure during the transition period.Make a positive analysis on the Chinese banking market structure,from the perspective of market share, market concentration ratio, barriers to entry and barriers to exit , economies of scale , regional structure and spatial distribution to get a conclusion that the banking market structure in a transition period , from the traditional highly monopolistic market structure to monopolistic competitive market structure , and further analysis of the implications and causes of Chinese banking market structure on market performance,and etc.This chapter is an important aspect of industrial organization,it reveals the status of Chinese and provide an important reference to improve market steucture and optimize the industrial organization.Chapterâ…£. Chinese banking market conduct during the transition period.The outstanding performance of market conduct has two aspects:The first is price competition;the second is non-price competition.During transition period,the Chinese banking market conduct reflect in expanding the floating range of deposit and loan interest rates, mergers and acquisitions among commercial banks, financial innovation and actively engaged in integrated business operation.Chapterâ…¤. Chinese banking market performance during the transition period.perspective from the market performance. 2003 was a turning point in Chinese banking industry:from the long-term inefficiency gradually become a good performance, from the high non-performing loans to an unprecedented increase of risk provision, from the vulnerable system to a mature industry,market competitiveness is greatly enhanced,international status was improved significantly.Chapterâ…¥. The policy recommendations for improving the banking industry organizations. This part is the ultimate goal and purpose of the article.The purpose of banking industry organizations research is that optimization of market structure, guide market conduct and improve market performance, further improve the banking industry organization.Based on the domestic banking practice,and learn from foreign experience, our preliminary draw for sustainable development of Chinese banking industry organizations including:the market structure of monopolistic competition and moderately concentrated; the standardization,diversity and innovation of market conduct,continued improvement and competition of market performance, in order to improve Chinese banking industry organizations, we need to be further adjusted market structure,and further standardize the market conduct and efforts to improve market performance, at the same time, continue to increase banking reform and accelerating the pace of opening up and to strengthen financial supervision.