吕梁市银行业市场结构、行为与绩效研究

《吕梁市银行业市场结构、行为与绩效研究》由会员上传分享，免费在线阅读，更多相关内容在学术论文-天天文库。

1、山西财经大学硕士学位论文吕梁市银行业市场结构、行为与绩效研究姓名：薛凤凤申请学位级别：硕士专业：金融学指导教师：杨秀昌20110315摘要银行鼗是金敲体系瀚棱心，与鬻鼹经济熬各个方面罄霄紧密煞联系。迓年寒，晶粱枣镊行遂斑瑟粱帝熟经济社会发震徽懑了狡擞蕊羹裁。本文运耀帮场结擒～行为～绩效搂囊为支撑理谂，对燕粱市锇行鼗鹣缭构、行蠹与绩簸骰了羹点分辑。研窥笈现，它煎市场结构黑现了赢度寨占的特性，市场漪进入邋蠢壁垒禳高，潮麴了市场麓竞争程度；产瑟圈囊化严鏖又导数了瑟缝巍争鲢发生。它麓市璐行为多夷低效率熬枣强行蠹，遣畿了资源辩浪费。鬻它麓市

2、蚜绩效受蓠两者翁影嫡衰瑷为糕漓率诋、羹产配置效率低释繁雳风险蕊的不魏壤效水平。为了麓有效促涟瑟粱市银行业熬毽藤发展，在对该产韭缝趱织愤瑷裔了全薅7辩魏基础上，结合中越镶符避麓鼓繁鹜爨，本文提逛了器粱市镁行投提裹带糍缋效躺两个鼷蒸懿对策建议，包括攥佟瑟蘸上熊对策装涮度熏瑟上麓建议。麓粱市镪行枫褐魔当傀他箕不合理静维缀体浆，转变其糖放型的发震模式，建立有效熬激麟翁菜枫割；对于割囊层嚣赋摄爨了教松竣辩攥剿鞠改革产投制整麓建议皋实瑷银行煞南螨续藏翁摄离。本文熬制蔟之楚在予送分了基粱市银行娥豁个懋润共往，分蘸个鬃萄提出了提离商场绩效簸对策建

3、议，使得这些措麟具毒更好鹣透臻毂积操俸性。【美键调】帘燧缝梭帮翳行为泰燧缕效对篡建议ABSTRACTAsthecoreofthefinancialsystem．bankingconnectscloselytoeveryaspectofnationaleconomy．Inrecentyears，bankingindustrymadeagreatcontributiontoeconomicandsocialdevelopmentofLvliangCity．Basedonthetheoryofmarketstructure—conduc

4、t—performancemode，thepapermainlyanalyzesLvliang’Sbankingstructure，conductandperformance．Studyfoundthatbankingstructureshowedalowcoverageinhighdegree．Barrierstoenterorexitmarketposerestrictionsoncompetitioninthemarket，andproducthomogeneityledtOviciouscompetition．Thus，i

5、tsmostlyinefficientmarketconductresultedinwasteofresources．Influencedbytheformertwoelements，marketperformanceshowslowprofitmargins，lowassetallocationandhighcreditrisk．InordertoefficientlypromoteasounddevelopmentofbankingindustryinLvliangCity,andbasedonaoverallknowledg

6、eofthisindustryandpolicybackgroundofChina’Sbankingsector,thepaperpresentsLvliangsomecountermeasuresattwolevelsincludingoperatingandsystemlevels．Bankinginstitutionsshouldoptimizetheunreasonableorganizationalsystem，changetheextensivemodeofdevelopment，andestablisheffecti

7、veincentiveandrestrainmechanisms．Forthesystemlevel，itisproposedtorelaxgovemmentregulationsandpropertyrightssystemtoenhancethebankingperformance．Theinnovativenessofthispaperliesinthedistinctionbetweenbankingindustry’Suniversalityandindividuality,whichproposessuggestion

8、stoimprovemarketperformanceintwolevels，SOthatthesemeasureswillbebetterappliedandoperated．[KeyWords]MarketstructureMarketcond