The lack of the medium-sized banks as transits from the overlarge state-owned banks to too small-sized new banks results in a top-heavy and polarized banking market structure, and the two forms of uneconomical scale.

• 由于国有银行太大，新兴银行太小，缺少大小适度的中等银行过渡，致使整个行业呈现出头重脚轻、两极分化的市场结构特征和两种形式各异的规模不经济状态。