Dissertation > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Financial organizations, banks > Commercial banks ( specialized banks )

Study on Industry Market Structure and Market Performance of China’s Commercial Banks

Author XuChun
Tutor ZhangDongHui
School Shandong University
Course Industrial Engineering
Keywords commercial bank market structure market performance bank reform
CLC F832.33
Type Master's thesis
Year 2013
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Since the reform and opening up, China’s rapid economic development, especially in the first ten years of the twenty-first Century the development momentum is strong, ranked the second largest economy in the world. But with the production conditions, formation mechanism and features will be more complex financial risk in the economic development, especially with the area and scope of business of the foreign banks in China has gradually liberalized, the banking market structure and market environment will change gradually. Deepen with China’s state-owned banks and the entire financial system reform, as well as the full liberalization of the financial industry, how to steadily push forward the reform of the banking industry, enhance the market competitiveness has become a major problem of the entire national economic reform and development. But because of long time affected by the planned economy system, the country on China’s financial sector reform and opening has been cautious, which makes the Commercial Bank of our country long-term with administrative and institutional monopoly characteristic. So this thesis will use the theory of industrial organization to study and analysis of China’s banking industry, market structure and the performance of the market in order to study the Commercial Bank of our country industry and the two relevant relations and other issues.This article expounds the theory of industrial organization theory origin, achievements and schools, introduced the system of industrial organization theory on the relationship between market structure, market behavior and market performance on the innovation theory. Based on the explanation of the theory further clear commercial banking market structure and market performance in the reform of China’s commercial banks, optimize the financial system, the important role of market competitiveness of the intensifier. Then, from the three aspects of market structure, market behavior and market performance in detail problems and phenomena in bank system reform, from these phenomena and problems in the clear relationship between their internal relations and mutual.Then the article with a large number of data and cases of China’s commercial banking market performance and market structure of the empirical analysis from the subtle aspects, omni-directional stereo out China’s major commercial banks concentration, barriers to entry and exit conditions and problems in terms of market share, market. Fully and objectively analyzes the relation between capital efficiency of commercial bank and the banking market performance. Reveals the market structure of our banking industry is composed of highly oligopoly to monopoly competition direction, at the same time as the degree of competition is becoming increasingly fierce, the competition is not just the number of single again, extensive, but gradually to the market, intensive direction. Therefore, China’s commercial banks should actively change the business philosophy, from extensive management to intensive development as soon as possible; improving the information level, our country bank to improve the technical management level of the continuous improvement of its management; organization structure, to work with the foreign banks in management practice, truly realize the high efficiency operation.

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