法律视角下我国中小银行面临的竞争环境

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1、TheCompetitiveEnvironmentFacedbytheMediumandSmallBanksinOurCountryintheLawAngleofView(AbstractofJ．MDegreedissertation)Major：‘ResearchDirection：Author：Tutor：J．MFianciaiLaw×uKeYangZhongXiaoAssociateProfessorWiththepromotionofeconomicsystemreforms，themarkethasposedamoreobviousneedtot

2、hedevelopmentofthebankingindustry．SincetherestructuringoftheBankofCommunications，12jointstockcommercialbankshavebeenestablishedsuchas，CiticIndustrialBank，ChinaMerchantsBank，ShenzhenDevelopmentBank，ChinaEverbrightBanketcwhichhaschangedthenationalsinglebankingsystemandhassatisfiedth

3、erequirementofthediversefinancialservicesinthesystem．Thishasfilledupsomeblanksinsomefinancialsectortoagreatdegree。defectsofthesystemdesign，thedrawbacksofthemechanism，thebadcompetitiveenvironmentandtheunfairruleshaveresultedintheblockofthefurtherdevelopmentofthemediumandsmallbanks．

4、Thebankingmarketisahi【ghlymonopolizedoneinwhichthestate—ownedbanksoccupythemonopolizationpositionandtheforeigninvestedbanksenjoySomeover-nationaltreatmentswhilethemediumandsmallbankshavenosuchtreatmentsata11．Howeverthedevelopmentoftllemediumandsmallbankswilladministertooptimizethe

5、structureofthebankingindustryandadvancethewholelevelthereofinChina．Weshouldlaunchonthedevelopmentofthemediumandsmallbanksintwoaspects：oneistoimprovethecompetitivesurroundingsthattheyarefacing；theotheristoenhancetheself-abilityincompetition．Thispapermainlydiscussesthecompetitiveenv

6、ironmentesp．thelegalenvironmentwhichthemediumandsmallbanksarefacingandputforwardsomepertinentsuggestionstoimprovethecompetitiveenvironment．Thisthesisisdividedintothreeparts．PartIistheanalysisoftheoverallenvironmentthatthemediumandsmallbanksarefacinginthemacroscopicperspective．Acco

7、rdingtothelaw,theadministrativelawandthedepartmentalregulations，thepapersystematicallyanalyzethecompetitionenvironmentfacingthemediumandsmallbanksandthedemeritscausedthereforefromthreeaspects，namely,marketentrysystem，supervisorypolicyandthemarketexitsystem．PartIIisthecomparativean

8、alysisofthebankingsurroundingsinC