银行竞争:理论纷争、政策比较及对发展中国家的启示  

Bank Competition:Theory Disputes,Policies Comparison and Implication for Developing Countries

作　　者：王凌云[1] 余维彬[2] 

机构地区：[1]中南财经政法大学金融学院 [2]中国社会科学院金融研究所

出　　处：《金融评论》2015年第3期114-122,126,共9页Chinese Review of Financial Studies

基　　金：中央高校基本科研业务费专项资金(2010027)资助

摘　　要：银行竞争政策是金融发展政策的关键,关系到一国的金融稳定与经济发展。关于银行竞争,目前存在着纷繁复杂的理论和实证纷争。发达国家与发展中国家的银行竞争政策思路存在明显差异,这是发达国家与发展中国家在不同国内金融生态环境和不同国际金融比较优势下的合理选择。对于发展中国家而言,银行竞争政策不能脱离这些环境的制约而过快地自由化。Bank competition policy,which will affect the financial soundness and economy growth,is the key to financial development policies.Theory makes ambiguous predictions about bank competition,and empirical studies also provide similarly ambiguous results.The bank competition policies adopted by developed countries are different from those adopted by developing countries.Countries choose the policies according to national financial ecological environment and international financial comparative advantages.The developing countries should not liberalize their bank competition too fast without considering the restriction of the environment.

关 键 词：银行竞争 金融稳定 发展中国家 

分 类 号：F831[经济管理—金融学]