美国银行业市场结构分析  

Analysis on the Market Structure of the U.S.Commercial Banking Industry

作　　者：黄隽[1] 李慧[1] 徐俊杰[1] 

机构地区：[1]中国人民大学经济学院

出　　处：《国际金融研究》2010年第7期89-96,共8页Studies of International Finance

基　　金：国家社科基金项目“防范金融风险的中国银行业市场结构设计”(08BJY148);中国人民大学明德青年学者培育项目“银行业稳定:宏观环境和微观安排”(10XNJ014)的资助

摘　　要：本文对2000～2008年美国商业银行市场结构进行实证分析。结果表明,虽然美国商业银行众多,但是银行业市场处于垄断竞争状态,大银行和小银行借助各自的比较优势在细分的市场上提供差异化的产品和服务;随着银行业的资产越来越向大银行集中,银行业的竞争程度并没有出现明显的变化;大银行的市场竞争程度低于小银行。This paper studies the market structure of the U.S. commercial banks during the years between 2000 and 2008. The empirical results show that, although the number of U.S. commercial banks is very large, the market structure is in the state of monopolistic competition. Large banks and small banks use their comparative advantages respectly to provide different products and services in the segment markets. Market competition is not fierce. Assets in the U.S. banks are concentrating in big banks, and the market competition among big banks is lower than those among the small ones.

关 键 词：美国商业银行 集中度 市场竞争 

分 类 号：F831[经济管理—金融学]