[1]郑晓玲.从同质化到差异化发展:优化银行业市场结构的视角[J].金融教育研究,2012,(06):12-16.
　ZHENG Xiaoling.Homogenization to the Differentiated Development:the Perspective of Optimizing the Banking Market Structure[J].,2012,(06):12-16.
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从同质化到差异化发展:优化银行业市场结构的视角()
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《金融教育研究》[ISSN:1006-6977/CN:61-1281/TN]

卷:
期数:
2012年06期
页码:
12-16
栏目:
出版日期:
2012-12-31

文章信息/Info

Title:
Homogenization to the Differentiated Development:the Perspective of Optimizing the Banking Market Structure
作者:
郑晓玲;
苏州大学东吴商学院,江苏苏州,215021
Author(s):
ZHENG Xiaoling
关键词:
市场结构; 市场集中度; 同质化; 差异化
Keywords:
market structure;  market concentration degree;  homogenization;  differentiation
分类号:
F830
文献标志码:
A
摘要:
目前我国商业银行的市场结构呈现市场集中度不断下降的趋势,市场竞争程度也有所增加,但银行间同质化经营问题较突出,导致银行体系不能满足金融服务多样化的实际需求,而且不利于银行体系的稳定。为优化银行业市场结构,达到效率与稳定并举的目标,监管部门应采取措施促进商业银行实施差异化发展战略,商业银行应从价格差异化、产品差异化、服务差异化、品牌文化差异化方面采取措施。
Abstract:
At present market concentration degree which is related to market structure of China＇s commercial banks is declining, the degree of competition in the market has also increased, but more outstanding problem is homogenization of the inter - bank business. The banking system can not meet the actual needs of diversified financial services, and is not conducive to the stability of the banking system. In order to optimize the structure of the banking market, to achieve the goal of both efficiency and stability, the regulatory authorities should take measures to promote the commercial banks to implement the development strategy of differentiation, commercial banks should take measures to address price differentiation, product differentiation, service differentiation, brand differentiation and culture differentiation.

参考文献/References:

[1]董裕平.防范同质化加剧系统性金融风险——美国次贷危机的警示[J].中国金融,2009(14).
[2]迟名海.我国商业银行实施差异化战略的具体措施[J].金融论坛,2004(5).
[3]欧朝敏.银行竞争对单个银行和银行体系稳定的影响:基于中国的理论和实证研究[EB/OL].http://d.g.wanfangdata.com.cn/Thesis_Y1410798.aspx.2012-8-16.
[4]凌 敢,王新华.市场竞争、风险承担与银行监管有效性——基于面板数据的分析与政策建议[EB/OL].http://www.cbrc.gov.cn/chinese/home/docView/0FB1549FB51B4CBB8BACE6757C827D31.html.2012-8-18.

相似文献/References:

[1]杨云雁,郑毅,王频,等.基于SCP范式下我国商业银行业市场结构对绩效影响的研究[J].金融教育研究,2013,(04):24.
　YANG Yunyan,ZHENG Yi,WANG Pin.The Performance Effects＇Research of China's Commercial Banking Market Structure Based on the SCP Paradigm[J].,2013,(06):24.

备注/Memo

备注/Memo:
江苏省教育厅高校哲学社会科学研究基金项目:江苏地区银行业市场结构的优化研究(2010SJB790027)
更新日期/Last Update: 1900-01-01