【摘要】：對(duì)于中國(guó)銀行業(yè)而言，最優(yōu)的市場(chǎng)結(jié)構(gòu)并非是完全競(jìng)爭(zhēng)的市場(chǎng)結(jié)構(gòu),而是存在一定程度市場(chǎng)勢(shì)力的市場(chǎng)結(jié)構(gòu),一般產(chǎn)業(yè)經(jīng)濟(jì)學(xué)研究文獻(xiàn)主要集中在對(duì)銀行業(yè)市場(chǎng)集中度、壟斷市場(chǎng)結(jié)構(gòu)和銀行績(jī)效等方面。本文結(jié)合已有的對(duì)銀行壟斷的研究方法，在綜合分析銀行壟斷市場(chǎng)勢(shì)力的基礎(chǔ)上，進(jìn)一步研究銀行壟斷市場(chǎng)勢(shì)力所產(chǎn)生的社會(huì)福利效應(yīng)。 本文選取中國(guó)前15家大型商業(yè)銀行2001～2011年的統(tǒng)計(jì)數(shù)據(jù)，首先綜合分析銀行業(yè)市場(chǎng)結(jié)構(gòu)，運(yùn)用隨機(jī)前沿成本函數(shù)估計(jì)15家商業(yè)銀行的市場(chǎng)勢(shì)力勒納指數(shù)，定量說(shuō)明我國(guó)銀行業(yè)市場(chǎng)勢(shì)力不容忽視；其次，從銀行壟斷市場(chǎng)勢(shì)力自身效應(yīng)出發(fā),分析由市場(chǎng)勢(shì)力在剝奪消費(fèi)者剩余的過(guò)程中浪費(fèi)的社會(huì)福利損失,得出壟斷對(duì)社會(huì)福利的負(fù)效應(yīng)；再次，考慮市場(chǎng)勢(shì)力對(duì)于社會(huì)成本和福利的積極效應(yīng)，一定程度的壟斷是創(chuàng)新的先決條件，同時(shí)也是維護(hù)我國(guó)金融穩(wěn)定的必然要求；最后，通過(guò)綜合分析中國(guó)銀行業(yè)市場(chǎng)勢(shì)力的社會(huì)福利凈損失和壟斷間接效應(yīng)造成的福利正效應(yīng)，本文認(rèn)為我國(guó)銀行壟斷的社會(huì)福利損失比較嚴(yán)重，而從我國(guó)商業(yè)銀行市場(chǎng)勢(shì)力的間接正福利效應(yīng)角度考慮，銀行業(yè)市場(chǎng)勢(shì)力總體上提高了社會(huì)總福利。政府應(yīng)繼續(xù)深化金融領(lǐng)域改革，合理充分利用這種正效應(yīng)，在降低我國(guó)銀行業(yè)壟斷市場(chǎng)勢(shì)力和提高銀行經(jīng)營(yíng)效率方面尋找平衡點(diǎn)，，盡可能的提高銀行市場(chǎng)勢(shì)力的正福利效應(yīng)。
[Abstract]:For China's banking industry, the optimal market structure is not a completely competitive market structure, but a market structure with a certain degree of market power. Monopoly market structure and bank performance and so on. Based on the existing research methods of bank monopoly, this paper further studies the social welfare effect of bank monopoly market power on the basis of comprehensive analysis of bank monopoly market power. In this paper, the statistical data of the top 15 large commercial banks in China from 2001 to 2011 are selected. Firstly, the market structure of the banking industry is comprehensively analyzed, and the market power Lerner index of 15 commercial banks is estimated by using the stochastic frontier cost function. The quantitative analysis shows that the market power of our banking industry can not be ignored. Secondly, starting from the effect of the market power of the bank monopoly, this paper analyzes the social welfare losses wasted by the market forces in the process of depriving the consumers of the surplus. Finally, considering the positive effects of market forces on social costs and welfare, a certain degree of monopoly is a prerequisite for innovation and an inevitable requirement for maintaining financial stability in China. By synthetically analyzing the net loss of social welfare and the positive effect of the indirect effect of monopoly on the social welfare of China's banking market power, this paper holds that the social welfare loss of banking monopoly in China is quite serious. From the perspective of the indirect positive welfare effect of the commercial bank market power, the banking market power generally improves the total social welfare. The government should continue to deepen the reform of the financial field, make full use of this positive effect, and find a balance in reducing the monopoly market power and improving the efficiency of banking operation, and improve the positive welfare effect of the market forces as much as possible.
【學(xué)位授予單位】：黑龍江省社會(huì)科學(xué)院
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F224;F832.33

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