| Finance is the core of economy, in the allocation of resources and the circulation of funds foreconomic operation to provide a strong support. The banking industry is a special industry, it is essential,crucial position in the financial system, and plays a fundamental role in market operation layout structure ofbanking industry on the financial system and economic system.And in recent years, happened to turn theworld upside down change of our financial system, the external environment, especially the bankingindustry has been seeking changes in the past ten years, but the reform breakthrough in the past two yearswas particularly significant. Therefore, the research on the timing of China’s banking market structure tothe stage of change and re positioning has a special meaning. For the banks, in the product design andstrategy setting are the prerequisite of guidance; the supervision department,has the direction guidancesignificance to the supervision direction.Facing of speeding up bring financial liberalization reform of financial disintermediation, interestrate marketization, strengthening financial supervision brings the capital constraint pressure environment,financial demand point of constantly updated, the banking industry is trying to get rid of the growth modeof scale expansion and spreads dependent, actively seek the transformation development.The results of basic research based on the before of the experts and scholars,and for the past twoyears China’s economic transformation period, due to internal and external environment changes and thebanking industry to change the drive, to further deepen China’s interest rate marketization, commercialbanks to seek change, active transformation analysis this process analysis,and taking the P-R model as atool, the banking market competition structure time period to the first half of2000-2013years in theempirical analysis of the.The main research methods are: First, empirical analysis and normative analysiscombined with this paper expatiate on the banking market structure theory,then the domestic developmentsituation of formulation, analysis on the basis of using panel regression, analysis of China in the first half of2000-2013the nearly14years, the evolution of market competitive structure the Bank of China, andeventually to its present stage of the competitive structure was redefined, and promote China’s economictransition to commercial banks, how to change the policies and suggestions are put forward. Second, qualitative analysis of China’s banking industry in the different development stage (2000-2003,2003-2007,2007in the first half of-2013) levels of competition situation, current causes significant changes wereanalyzed, and finally the corresponding policies and suggestions.From the choice of theoretical knowledge, this paper uses of the industrial economic andfinancial knowledge. Theory of industrial economics and the market structure is mainly about the definitionand the P-R model, financial theory applied to the main commercial bank operation and management, theinnovation of financial products and financial function theory.The conclusion of this paper, the economic development of our country entered the stage oftransformation and upgrading, economic growth shifting will appear, at present the structure of China’sbanking industry has entered the state level near perfect competition, the banking industry expansion willbe slowed, past banking is to earn as much or earn less, faster growth or slow stage, at this stage, now hasentered the "survival of the fittest" stage, so the banking market structure changes, the transformation ofbanking development must be imperative, but also increasingly urgent. The article thinks, the bankingmarket structure is similar to the full market competition within the industry level, transition towards threedirections:First, adapt and combined with the development of economic transformation.Economydetermines finance, banks should adhere to serve the entity economy needs. Banks should adhere to theservice requirements of the real economy essence. By speeding up the adjustment of credit structure,optimize business processes, improve the incentive mechanism, improve the service level, promote thetransformation and upgrading of traditional business, and strive to cultivate new growth points, thepromotion of bank credit on economic growth by stimulating service gradually new loans to stock structureadjustment, improve economic efficiency change. Second, with the push for financial regulatory reform.Innovation is the most important means to promote the transformation of banking development. But fromthe present situation, China banking innovation pace is relatively slow, a lot of innovation is still a simpleintroduction and imitation, the market allocation of financial resources and reform the lag has a directrelationship. Innovation and supervision is a development in the game, the reform of the banking andfinancial sector development to advance. On the one hand, regulatory reform requires banks to acceleratetransformation, to the bank to block the posterior,such as new capital regulatory standards will promote domestic banks to change the development mode of credit scale rapid expansion; on the other hand, thefinancial reform for banks to create conditions for development,open a new door.Third, keep up withchanges in financial needs of customers. Changes in the banking transformation development must closelyfollow the customer business activities and financial service demand. Commercial bank is the requirementof profit-making enterprises, customers are the source of profit. In the market structure of monopolisticcompetition has made towards a fully competitive market, the banking industry market is no longer tend tothe seller’s market,but need to closely follow changes in buyer demand, to meet all customer financialdemand, improve financial service ability, so that in the near future,China’s banking market to achieve afully competitive environment structure. |
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