【正文】 用權(quán)的說明 .......................................................................................................................I摘要 .............................................................................................................................................................IIABSTRACT..............................................................................................................................................III目錄 ............................................................................................................................................................IV第 1 章 緒論 .........................................................................................................................................1 研究背景及意義 ..........................................................................................................................1 研究目的 ......................................................................................................................................2 國內(nèi)外研究現(xiàn)狀 ..........................................................................................................................2 商業(yè)銀行市場結(jié)構(gòu)的研究現(xiàn)狀 .........................................................................................3 商業(yè)銀行競爭策略及發(fā)展概述 .........................................................................................5 論文結(jié)構(gòu) ......................................................................................................................................6第 2 章 我國商業(yè)銀行概況 .................................................................................................................7 我國銀行產(chǎn)業(yè)的發(fā)展及分類 ......................................................................................................7 我國商業(yè)銀行分類及發(fā)展現(xiàn)狀 ..................................................................................................8 我國商業(yè)銀行分類 .............................................................................................................8 我國商業(yè)銀行發(fā)展現(xiàn)狀 .....................................................................................................8 本章小結(jié) ....................................................................................................................................10第 3 章 我國商業(yè)銀行市場結(jié)構(gòu)分析 ...............................................................................................11 市場結(jié)構(gòu)理論 ............................................................................................................................11 市場結(jié)構(gòu)理論分析框架 ...................................................................................................11 商業(yè)銀行市場基本類型劃分 ...........................................................................................11 市場結(jié)構(gòu)的衡量指標(biāo) .......................................................................................................12 我國商業(yè)銀行市場集中度 ........................................................................................................15V / 73 我國商業(yè)銀行市場壁壘 ............................................................................................................17 經(jīng)濟型進入壁壘 ...............................................................................................................17 規(guī)制性進入壁壘 ...............................................................................................................19 我國商業(yè)銀行產(chǎn)品的差異化 ....................................................................................................20 我國商業(yè)銀行市場的規(guī)模經(jīng)濟 ................................................................................................29第 4 章 我國商業(yè)銀行的競爭策略 ...................................................................................................41 控制成本策略 ............................................................................................................................41 跟隨策略 ....................................................................................................................................45 差異化策略 ................................................................................................................................47 產(chǎn)品策略 ...........................................................................................................................49 渠道策略 ...........................................................................................................................51 品牌策略 ...........................................................................................................................53結(jié)論 ............................................................................................................................................................55參考文獻 ....................................................................................................................................................56附錄和清單 ................................................................................................................................................58致謝 ............................................................................................................................................................611 / 73第 1 章 緒論 研究背景及意義目前，世界各國的金融體系可劃分為兩種：以美英為代表的市場主導(dǎo)型模式和以德日為代表的銀行主導(dǎo)型模式。s mercial banks is in the development of oligopolistic petition to the monopolistic petition , market concentration and market barriers to higher ,and lack of product differentiation.Finally, this paper against the existing market structure, bined with petitionrelated theory, proposed the petitive strategy which China39。s mercial banking market has undergone major changes, industry petition further. Therefore, analysis the mercial banking market structure and petitive strategy , both for the main petition in the trade or related sectors have important practical significance.On the basis of prehensive understanding of domestic and foreign scholars research which on the mercial banking market structure and the major p