目 录
一、.我国商业银行间竞争的现状······································3
(一)我国商业银行间的竞争尚处于初级阶段··························3
(二)我国的商业银行仍未改变粗放型的经营方式······················3
(三)我国商业银行间非法的、不正当的竞争手段层出不穷··············3
(四)商业银行的业务竞争格局不平衡································3
二、我国商业银行间竞争中存在的问题及原因分析······················4(一)各商业银行间竞争中存在非常严重的无序现象····················4(二)缺乏商业银行间的协调沟通、央行的积极引导和有效监管··········4
三、改善我国商业银行间竞争健康发展的路径··························4
(一)监管部门加强力度············································5
(二)放松金融价格管制,推进利率市场化····························5
(三)加大金融创新力度············································5
(四)加强商业银行间的合作········································5
(五)加强金融法制建设············································6
四、结论··························································6
参考文献··························································7
内 容 摘 要
随着经济发展和我国金融体制改革,我国银行业既面临机遇也面临着严峻的挑战。竞争机制的引入为我国商业银行的发展带来了动力和活力,同时,现阶段的竞争也给商业银行之间及国民经济带来了不少问题。一个国家中各商业银行的竞争状况如何,不仅关系到银行业内部的市场结构和运行效率,而且还关系到整个金融体系的稳定和发展。本文对我国商业银行间竞争的现状进行了概述,在此基础上,结合我国商业银行间市场竞争的发展情形,提出改善我国商业银行间竞争健康发展的路径。