银行业市场结构与金融稳定  

Banking Market Structure and Financial Stability

作　　者：刘洋[1,2] 

机构地区：[1]中国工商银行博士后工作站 [2]中国人民大学博士后流动站,北京100032

出　　处：《吉林省经济管理干部学院学报》2013年第2期30-35,136,共6页Journal of Jilin Province Economic Management Cadre College

摘　　要：什么样的银行业结构最有利于金融稳定呢?根据前人的研究成果,集中度的提高未必意味着竞争性的减弱。集中度的提高可以通过经营不同业务、经营不同市场或创造更少的但更富有竞争力的参与者而促进市场竞争性,可见银行业集中度与竞争性都可以增加金融稳定。在脆弱的金融环境中,无限制的竞争可能损害金融稳定,但是其实改善金融环境远比限制竞争重要得多。what banking structure is the most conducive one to financial stability? According to the results of previous studies,the concentration increase certainly means the weakening of the competition.We can improve concentration by operating different businesses,operating different markets or creating fewer but more competitive participants.The concentration and competition of the banking industry can increase financial stability.Unrestricted competition may harm financial stability in the fragile financial environment,but in fact,improving the financial environment is much more important than restrict competition.

关 键 词：银行业市场集中度 银行业市场竞争性 金融稳定 

分 类 号：F830.9[经济管理—金融学]