关于我国商业银行间竞争的思

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。