While the US banking sector is similarly concentrated, it has far more financial institutions – roughly 18,000 commercial banks, savings and locals associations, mutual savings banks, and credit unions, compared to only around 400 commercial banks and 3,000 rural credit unions and township banks in China. This means that banks in China on average are larger than in the US, especially in view of the difference in the size of the two countries’ GDP.
另外一个障碍则是大银行的统治地位。中国四大银行的贷款额占全国总量的60%。虽然美国的银行部门也同样高度集中，但除此之外依然存在约1.8万家金融机构，包括商业银行、储蓄贷款协会，共同储蓄银行以及信贷联盟，相比之下中国只有大概400家商业银行，3000家农村信用合作社以及相关城镇金融机构。这意味着中国各银行的平均规模要比美国更大，如果考虑到两国GDP规模的巨大差异的话，这一点就更加显著。