| 摘要: |
| 摘要：当前，我国正处于利率市场化向纵深推进以及金融科技加速渗透的关键时期，商业银行市场结构的变化调整已超出传统产业组织理论的分析范畴。通过运用市场份额、市场集中度等指标对中国商业银行市场结构进行考察，研究发现：第一，2018－2024年间，我国商业银行市场集中度呈现先降后升的“U”型轨迹；第二，现阶段，我国商业银行呈现明显的“头部集中＋尾部分散”特征；第三，当前我国商业银行竞争失衡问题日益突出，集中表现为“头部集中＋尾部分散”格局下的过度竞争和同质化竞争加剧净息差收窄和金融系统性风险积累。对此，从严格准入监管与机构精简缓解过度竞争、依托差异化战略定位与金融创新破除同质化竞争两个维度提出系统性优化建议。不仅为商业银行市场结构分析提供了全新范式，厘清了破解竞争失衡与防范系统性风险的可行路径，更为推动银行业高质量发展提供了重要的理论支撑和实践指导。 |
| 关键词: 关键词：商业银行；市场结构；同质化竞争；系统优化 |
| DOI： |
| 分类号:F832.33 |
| 基金项目: |
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| Competitive Imbalance and System Optimization:A Study on the Market Structure of Chinese Commercial Banks |
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ZHOU Shao-dong,LI Shuo,XIANG Nan
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(School of Marxism,Wuhan University)
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| Abstract: |
| Abstract：At present,China is in a critical period of interest rate marketisation and the accelerated penetration of financial technology,and the changes and adjustments in the market structure of commercial banks have exceeded the scope of analysis of traditional industrial organisation theory.By using market share,market concentration and other indicators to examine the market structure of China’s commercial banks,the study found that:first,during the period of 2018-2024,the market concentration of China’s commercial banks shows a ‘U-shaped’ trajectory of first decline and then rise;second,at the present stage,China’s commercial banks show a clear ‘head concentration+tail dispersion’.Secondly,at this stage,China’s commercial banks show the obvious characteristics of ‘head concentration+tail dispersion’;thirdly,the problem of competitive imbalance in China’s commercial banks is becoming more and more prominent,which is centrally manifested in the excessive competition under the pattern of ‘head concentration+tail dispersion’ and homogeneous competition,which exacerbates the narrowing of net interest margins and the accumulation of financial systemic risks.Risk accumulation of the financial system.In this regard,the study puts forward systematic optimisation proposals from the dimensions of strict entry regulation and streamlining of institutions to alleviate excessive competition,and relying on differentiated strategic positioning and financial innovation to eliminate homogeneous competition.The study not only provides a new paradigm for analysing the market structure of commercial banks,but also clarifies the feasible paths for cracking the competitive imbalance and preventing systemic risks,and provides important theoretical support and practical guidance for promoting the high quality development of the banking industry. |
| Key words: Key words：Commercial Banks;Market Structure;Homogeneous Competition;System Optimization |
