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在实体经济发展不景气的情况下,我国银行业近年来的高额利润一直以来都饱受争议。通过简要分析,本人认为我国银行业存在诸如垄断协议、大型国有银行滥用市场支配地位的垄断行为。为了能够增强我国银行的竞争力、保护消费者的合法权益,打破垄断,促进竞争是必然选择。但是考虑到银行业在一国经济发展中的重要地位以及这个行业本身的特殊性,在规制方法的选择上务必要适合我国的实际情况。
In the real economy downturn, the high profits of China’s banking industry in recent years has always been controversial. Through a brief analysis, I think there is monopolistic behavior such as monopoly agreement and abuse of market dominance by large state-owned banks in China’s banking industry. In order to be able to enhance the competitiveness of China’s banks, protect the legitimate rights and interests of consumers, to break the monopoly and promote competition is an inevitable choice. However, considering the important position of the banking industry in the economic development of a country and the particularity of the industry itself, it is imperative to adapt the choice of regulatory approach to the actual situation in our country.