摘要
从金融系统、配置效率、生产效率、中小企业融资和金融稳定等多维角度考察银行结构．理论和实证层面都没有具有说服力的理由表明相对分散型的银行市场结构比集中性的结构更有优势。相反，从金融系统的配置规则、效率优势和金融稳定优势等因素判断，集中的银行市场结构可能更为可取，而且从长远来看有利于中小企业融资。因此，保持相对集中才是中国银行业市场结构的合理取向。
Inspecting the market structure of Chinese banking industry from multidimensional points of view, including financial system, allocation efficiency, production efficiency, SMEs＇ financing and financial stability, it＇s found that diverse market structure has no advantage over market structure from both theoretical and empirical researches. Conversely, the concentrated market structure in banking industry may be more reasonable, considering the allocation rules in financial system as well as effieicaey and stability superiority. Moreover, this will benefit the SMEs＇ financing in the long run. Therefore the relatively concentrated structure is a reasonable orientation of the market structure of Chinese banking industry.
出处
《改革》
CSSCI
北大核心
2006年第7期49-54,共6页
Reform
关键词
市场结构
产权结构
金融稳定
中小企业融资
market structure, property structure, financial stability, SMEs＇ financing
