摘要
由于银行业准入、退出管制在很大程度上规定了银行业竞争度及其数量关系,因而对银行市场份额、市场集中度乃至市场绩效具有决定性影响。我国现行的、以垄断和保护为特色的银行业准入、退出管制在先前具有一定合理成分,但目前却明显滞后于经济、金融发展的实际需要,并使银行业乃至整个经济体系陷入规模不经济之中。对其进行动态改进已势在必行。动态改进的总体原则是放松管制、降低门槛,流量注入、存量盘活,区别对待、分层供给;总体目标是规范政府的金融管制行为,开展有质量和深度的金融竞争。
The current banking industry access and exit system with the character of monopolization and protection has been obviously behind economic and financial development, and the banking industry and even the economic system are driven in economies of non-scale. Therefore, the author points out that this system reform is imperative under the situation, and the general goal of the reform is to standardize government behavior for the financial control and improve the financial competition in terms of quality and depth.
出处
《金融研究》
CSSCI
北大核心
2007年第09A期184-190,共7页
Journal of Financial Research
关键词
银行业
管制
改进
banking industry, control, improvement
