Strategic Analysis On Eliminating The Monopoly Of State Banks In China

In recent years,the hight profit existing in the the banking profit is undoubted in ourcountry.So it is in doubt what is the structure of the banking,whether the banking is in thestate of monopoly,and whether the state banks put the monopoly behaviors into practice. Aseries of the problems confuse the people. Just against the background,the article iswritten.Firstly,the article summarizes the monopoly and anti-monopoly theories of Marxand from the western economics,and then the monopoly and banking monopoly are definedfrom the perspective of economy; With the relationship between the common and the single,the banking monopoly is defined, and on this basis, is categorized according to the differentstandards.Secondly,due to the feature of the banking development, we divide the bankinginto two different stages,and simply introduce the management when the Centre Bank wasin charge of everything.It is briefly written how our state banks appeared and developed,andwith the help of the SCP model and the related data from2003to2011,we analyze themarket structure and marketing behavior of our five largest state banks.As a result, we canmake the conclusion that, presently,our state banking is still in the frame ofmonopoly.Thirdly,in the face of the marketing presentation of the state banks,the articlerefers to the special features of the monopoly, further analyzes its mechanism of monopolyformation as well as finally indicate the theoretical and practical causes of its formation.Fourthly, finance is the key to the national economy, and in our nation,the bankingdominates the resources of finance, so the banking monopoly will have a far-reachinginfluence on economy development.In two little passage, the paper,from themacroeconomic and microeconomic perspective,shows the negative influences of bankingmonopoly caused to our national economy and microeconomic entity.The fifthly,it is thegoal,a greatly unprecedented cause,to establish the market economic system of thesocialism and make the resource flow freely in the manner of marketing distribution of thesocialism.So it is necessary to make use of the precious experience of the developedcountries used in the banking monopoly regulation.We select two presentive countries,Japan and the USA, analyze their backgrounds against the banking monopoly, summarizethe steps they took in the banking regulation and thus obtain the inspiration beneficial to ournation.Finally,I bring up the theoretical and practical advice.On one hand, I point out that it is essential to eliminate the state banking monopoly: the unbalance of economicdevelopment demands various financial suppliers;dominating financial resource,state bankswill prevent the funds from flowing freely,which is not good to the rapid and efficientdevelopment of the financial market.On the other hand, according to our national currentsituation,I point out that practically,promote the reform of financial system to remove themonopoly frame of state banks: firstly,make the market reform of the ratedeeper;secondly,complete the system of the entrance to the foreign banks;thirdly,make agood environment of law to eliminate the monopoly of the banking.