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鉴于五大国有商业银行寡头垄断中国银行业的现状。民营银行的市场准入成为了优化银行业结构,提高产业效率的重要举措。然而,目前仍存在对设立民营银行合理性的争论。本文基于进退无障碍理论,构建一个“二元”结构模型,阐述民营银行市场准入的反垄断规制效应、经济增长效应,为其存在的合理性提供一定的理论支持,以提出相应的政策建议。
In view of the five state-owned commercial banks oligopoly monopoly of the status of China’s banking sector. Market access of private banks has become an important measure to optimize the banking structure and improve industrial efficiency. However, there is still a debate about the rationality of establishing private banks. Based on the barrier-free theory of advance and retreat, this paper constructs a “binary ” structure model, expounds the antitrust regulation effect and economic growth effect of the market access of private banks, and provides some theoretical support for its rationality to propose corresponding policy suggestion.