金融企业集团垄断行为规制分析-经济法专业论文.docxVIP

3 3 是一把双刃剑，由于金融产品的强关联性和金融资源的弱相关性，使得金 融业更容易形成垄断。因此，对金融企业集团在追求范围经济和规模经济 的过程中所带来的竞争风险，需要未雨绸缪，适用反垄断法对随之所产生 的种种反竞争的行为及风险进行规制。 金融业一直被视为关系国计民生的关键行业，鉴于其重要性，我国政 府对金融业各项改革的开展极为慎重，市场化进程缓慢，是我国目前计划 色彩最为严重的行业之一。其中，银行业的垄断程度较高，其滥用优势地 位，侵害消费者利益的情形较保险和证券业为多。但是，由于整个金融业 刚刚完成从行政垄断向市场垄断的过渡，尚未完全摆脱其行政性特征，金 融服务的主要提供者依然是国有或国家控股的组织机构，可以认为，整个 金融业仍然是垄断型市场。因此，总体而言，金融反垄断的紧迫性要高于 金融反不正当竞争，对于金融企业集团垄断行为规制的研究也就尤为必 要。 关键词：金融企业集团 反垄断 规制 PAGE PAGE 1 Abstract The Financial Enterprise Group (FEG) is a common economic phenomenon in modern society. Its emergence and development have promoted global economy to be further, but it have also brought challenges for the traditional law at the same time. In the financial field, a lot of monopoly behaviors against the competition are all contacted with the FEG more or less. For example, independent Financial enterprise expands market share by setting up FEG. Also the FEG squeeze the competitors by abusing the behavior that the market arranges the status, to obtain great amount of profit. Besides, the subsidiaries of FEG reach agreements such as regular price , divide market etc restrain the competition agreement to lightening or eliminating the competition. Antimonopoly Law that has already been issued and will soon be put into effect is just a basic law. This law doesn’t say a word to the monopoly behavior by FEG, but only sets some general principles. In the academia, the research on this problem just started too. So, the research on monopoly behavior of FEG still has certain realistic meanings for both theoretical research and legislative practice. The development of FEG is based on scale economy and range economy .It can strengthen its own capability 、 implement market to be centralized、 restrain competition and abusing market dominant position. This thesis, through using the research methods, such as legal economics 、 comparative jurisprudence、real example analysis and law explain, has analyzed and studied the legal problems of Antimonopoly Law regulation of