我国银行业市场竞争度研究——基于Panzar-Rosse模型的实证分析  

Research of Country Banking Industry Market Competitive in China——Based on the Empirical Analysis of Panzar-Rosse Model

作　　者：丁忠明[1,2] 王海林[1] 

机构地区：[1]安徽财经大学金融学院,安徽蚌埠233030 [2]合肥工业大学管理学院,安徽合肥230009

出　　处：《南京财经大学学报》2016年第1期41-47,共7页Journal of Nanjing University of Finance and Economics

基　　金：2015年安徽财经大学研究生科研创新基金项目"基于市场竞争度视角探究互联网金融对传统商业银行的影响"阶段性成果;项目编号:ACYC2015041

摘　　要：本文选取2005—2014年做为我国银行业竞争度的研究样本期,国内16家已上市的股份制银行做为研究样本,从两个层次上分别建立Panzar-Rosse模型对我国银行业近十年的竞争度进行实证分析,其一,从整体上衡量我国银行业竞争度的变化情况,其二,将我国银行业分为五家大型商业银行和另外11家股份制银行两个市场,比较这两个局部市场间竞争水平的差异。得出结论:近十年我国银行业处于垄断竞争状态并且竞争度不断增大,五大行间的竞争度较股份制银行来说更高。同时,在实证分析的基础上,针对银行业未来发展形势,提出优化我国银行业竞争环境、提高银行业综合竞争力、增强金融服务多样化等政策建议。Select from 2005 to 2014 as our country banking competition degree of the sample period,domestic 16 listed joint-stock Banks as research samples,respectively from the two levels Panzar-Rosse model is set up for nearly a decade of China’s banking industry competition degree of empirical analysis,firstly,on the whole to measure changes in the banking competition degree in our country,second,our country banking industry can be divided into five big commercial Banks and 11 other two markets joint-stock Banks,compare the differences between two local market competition level. Conclusion is made： nearly10 years of China’s banking competition degree is widening,the five leading competition degree higher than a joint-stock bank. And,on the basis of empirical analysis,in view of the banking industry in the future development of the situation,put forward to optimize the competition environment,improve the comprehensive competitiveness of banking industry,China’s banking industry to enhance the policy Suggestions,such as the diversification of financial services.

关 键 词：银行业竞争度 PANZAR-ROSSE模型 垄断竞争 

分 类 号：F830.3[经济管理—金融学]