Why is banking a monopoly? Briefly describe the reasons for the formation of banking monopolies.

Reason: According to the Anti-Monopoly Law of China, monopolistic behavior refers to the elimination or restriction of competition and the behavior that may eliminate or restrict competition.

The entry of private capital into the banks also requires the competitiveness of the banks of these private capitals. In China, the big four banks monopolize most of the business in the banking industry. This was guaranteed by the policies of the state, which led to the restriction of competition between the small banks and the big four.

The so-called breaking of the monopoly of banks not only refers to simply lowering the entry threshold, but also to reduce the state's policy support for the four major banks and increase the competition between banks.

A bank is a financial institution established in accordance with the law to engage in monetary and credit business. Banks are the product of the development of the commodity-money economy to a certain stage. A bank is one of the financial institutions, and banks are divided into the following types according to their type:

**Banks, Commercial Banks, Investment Banks, Policy Banks, World Bank They have different responsibilities.

Monopoly (commonly translated as monopoly) is an economic term that is generally divided into seller's monopoly and buyer's monopoly. Seller's monopoly refers to the fact that the sole seller faces competitive consumers in one or more markets, through one or more stages; Monopsony, on the other hand, is the opposite. Monopolists in the market can adjust the output according to their own interests.

It is common sense that China's banks are a monopoly industry, and now banks are basically free of competition, which leads to the problem of arbitrary charges, and the bank profiteering is well known, and the president of Minsheng Bank said: "Corporate profits are so low, bank profits are so high, so sometimes we are too profitable, and sometimes we are embarrassed to announce it."

Although the banks have a monopoly, they do not force you to deposit your money in the bank, there is a saying that the poor go to the bank to deposit money, and the rich go to the bank to take loans, and China's current national situation is that more than one billion poor people support a small part of the rich. That's why the poor are getting poorer and the rich are getting richer. If you can get a few million loans from the bank now, with a little brains, find a better place, go out and open a store, you can also get rich overnight.

The banking industry is not a monopoly industry, and there are dozens of national joint-stock commercial banks, hundreds of urban commercial banks, and thousands of rural credit cooperatives engaged in banking business.

Bank recruitment requires party members to be preferred, and you know that the bank monopoly is in the first place.

1) The concentration of industrial production requires the concentration of bank capital. The concentration of industrial production has increased the capital that has been temporarily idle in the process of capital turnover, and has provided banks with a large amount of monetary capital. At the same time, industrial production requires huge loans from banks to meet the needs of production development.

2) In order to compete for customers and obtain more profits, fierce competition has been established among banks, resulting in the increasing concentration of a large number of social capital and the emptying of the credit industry in the hands of a few large banks, forming a monopoly in the banking industry.

a.It only has a fixed connection with small and medium-sized capital.

b.Only have a short-term contact with large enterprises to repent, and it is late.

c.It is the all-powerful monopolist in economic life.

d.It is an ordinary intermediary who bends the real money of deposits and loans.

Correct answer: It is the omnipotent monopolist in economic life.

There are three types of monopolies: natural monopoly, market monopoly, and administrative monopoly.

Natural monopolies are now relatively rare, and the European and American markets are mostly monopolized by the market, and only a few industries have administrative interference.

China is a planned economy, the most centralized, which of course has a great relationship with China's culture, China's water, electricity, grid, coal and other livelihood industries are mostly administrative monopolies.

China is mainly because of institutional reasons, the power has not achieved good supervision and balance, but of course China also has benefits, many large foreign companies, such as Volvo, Monsanto, Wal-Mart, etc., of course, there is also a big risk**, they have a special anti-monopoly law for political interference, mainly through the law of governance, but these companies can act arbitrarily in the world, so the concentration of national wealth in the new economy can be better than the impact of foreign capital.

In the bank, we only have Minsheng Bank for the private, the others are state-owned banks, the banking industry is relative to other industries, it is more special, the bank controls the currency circulation, in the financing of the first stock index, in the financial crisis, they also involve the risk of asset resistance, etc., in short, the bank is related to the artery of the entire economy, in China, this will inevitably lead to the state control, in 2011, the bank was set as the highest profit, but his profit mainly comes from the service fee, and what is more annoying is that its price-earnings ratio is much lower than its profit margin.

Not to mention, I think, this is quite complicated, and I will talk about it again when I have a chance.

The reason for the formation of a monopoly by China's commercial banks is very simple, that is, the market access system, which only allows the state to run banks, and no other private or foreign capital is allowed to run banks. If you don't let others do it, of course you will form a monopoly yourself. Of course, the policy will be relaxed now, but the state-owned commercial banks are already very strong, so the situation is difficult to change for the time being.

Administrative intervention is the main reason for the formation of monopolies.

Most of the other monopolies are naturally formed in the process of market competition, that is, in the process of competition, some enterprises are getting bigger and stronger, and some enterprises are slowly closing down or being acquired, so that the market is gradually monopolized by several large enterprises. This monopoly is a product of free competition in the market economy.

Who the fuck says banks have a monopoly? So what are railways, telecommunications, petrochemicals?

How many banks are there? You can't choose your own bank anymore? Nowadays, how fierce the competition in banks is, you can just ask a friend who works in a bank to know. Aside from small counties and rural areas, how many banks are there in a city? In some places, there are more banks than public toilets, which is a monopoly??

is not much of a competitor.

1.The supply of licenses in the banking industry is limited, and it is very difficult to obtain licenses for approval and issuance by the China Banking and Insurance Regulatory Commission.

2.The initial investment in the operation of the bank is very large, such as equipment, office space, personnel compensation. The capital investment is very large.

Financial returns are greater than those of the manufacturing industry, and the manufacturing cycle is caused by bank lending.

1. In fact, banks do not have monopolies, and the monopoly in society is nothing more than the restriction of interest rates and whether banks can be invested;

2. To break the monopoly of banks, it is necessary to break China's current financial system, that is, the socialist financial system, which will fundamentally disintegrate China's economic system, which is very terrifying, so no one dares to break the monopoly casually;

3. Do you think that if you break the monopoly, the people will be happy? First of all, after the interest rate is marketized, the loan interest rate may fall, but the deposit interest rate will definitely drop significantly, and secondly, let go of private investment in the financial sector, that is to say, foreign banks can invade on a large scale, and then play a currency war for you, and then there will be an economic crisis, and you will wait for unemployment to drink the northwest wind;

4. Finally, to express that the bank is an industry with operating capital, and the high net profit rate is certain, and it has its industry characteristics, but it cannot be compared with any manufacturing industry, and it is simply said that it is a windfall profit. In the current complex environment, the traditional state-run or monopoly cannot be broken all at once, and social unrest will affect the economy even more, and more people will be unemployed.

Bank profiteering needs to be clearly distinguished between state-owned enterprise banks, private enterprise banks (commercial), and foreign enterprise banks.

1 Windfall profits, high salaries are generally commercial banks and foreign banks (Goldman Sachs salary in the United States is regarded as a model).

2 State-owned banks belong to the state's regulation and control of the financial market, the wage level is set by the state, and the profits are small.

3 Bank profits, from the private sector (in fact, it is difficult to have a high profit by charging), now popular empty gloves white wolf, like credit, etc., private capital, need to invest and so on are loans, and the amount is huge, so the interest is high, the profit is also high.

4 Foreign enterprise banks generally have difficulty in monitoring and dealing with transactions, charge serious fees, and generally focus on profits, and it is difficult to have the standardization of state-owned banks.

5. If you want the bank not to make huge profits, you can only spend as much as you earn, do not take out loans, do not overdraft, and do not go to private banks and foreign banks (state-owned banks have a service nature and are subject to state monitoring).

6 State-owned banks are strictly supervised when they make mistakes, and they are prone to criminal liability.

The annual profit, which is the book of accounts, is actually a debt ratio of 96% or higher, and new shares are issued every year to issue sub-bonds.

In fact, China's commercial banks do not make money because they have backing, such as bullish fees and a 3% interest rate difference, but their operating costs are overflowing.