金融业全面开放对我国银行业竞争度的影响——基于Panzar-Rosse模型的实证研究  

The Effects of Financial Openness on the Competition Degree in Banking Industry of China

作　　者：殷孟波[1] 石琴[2] 

机构地区：[1]西南财经大学研究生部 [2]西南财经大学金融学院

出　　处：《财贸经济》2009年第11期12-18,共7页Finance & Trade Economics

基　　金：教育部人文社会科学重点研究基地重大项目(项目编号:2008JJD79014)的阶段性成果;西南财经大学创新人才培养基金的资助

摘　　要：随着金融业全面开放,我国银行业市场主体的多元化使银行业竞争环境发生了改变。本文通过实证分析,检验了金融业全面开放对我国银行业竞争度的影响。结果显示,在过渡期结束后,我国银行业竞争度迅速上升,同时伴随着银行的规模效益下降和风险倾向的增加。由此可知,竞争加剧将引起商业银行行为和风险的变化。正确认识开放条件下银行业竞争的变化和特征,对我国银行业改革和发展具有重要意义。With the opening up of the financial industry,diversification of banking market subjects in China promotes the changes of competition environment in the banking industry.This paper analyses the effects of financial openness on the competition degree in banking industry of China by empirical test.The result shows that the competition degree in banking industry increases rapidly,with the reduction of banking scale effect and increase of the risk proneness,after the end of the transition period.As a result,intensifying competition promotes the changes in behavior and risk of banks.It has important strategic significance for the reform and development of banking industry to analysis the changes and characters of competition degree in banking industry.

关 键 词：金融开放 银行业竞争度 PANZAR-ROSSE模型 

分 类 号：F832[经济管理—金融学]