互联网金融发展对我国银行业竞争度的影响——基于Panzar-Rosse模型的实证研究  

The Impact of Internet's Development in Finance on Banking Competition Degree in China——Based on empirical research of Panzar-Rosse model

作　　者：丁忠明[1] 王海林[1] 

机构地区：[1]安徽财经大学金融学院,安徽蚌埠233030

出　　处：《北京化工大学学报（社会科学版）》2016年第1期7-12,共6页Journal of Beijing University of Chemical Technology(Social Sciences Edition)

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"(项目编号ACYC2015041)的阶段性成果

摘　　要：随着互联网金融的崛起,其对银行业的影响逐步深入,从一定程度上抢占了银行的资产业务、负债业务和中间业务,本文在建立Panzar-Rosse模型测定2005-2014年我国银行业市场竞争度的基础上,构建参数方程探究互联网金融对我国银行业市场竞争度的影响。研究表明,近十年来我国银行业处于垄断竞争状态且竞争度不断加大,互联网金融在萌芽时期对银行业竞争度影响不大,但是,当互联网金融发展到一定水平时,会与我国银行业的竞争度呈现显著正相关关系。未来,应当积极推进银行业与互联网金融的合作,实现社会经济资源配置的最优化。By grasping of the Internet financial characteristics and its influence on traditional banking, this paper uses the data of domestic joint-stock banks listed 16 financial statements to set up the Panzar-Rosse model,analyzing the determination of competitive banking market in China from 2005 to 2014. On this basis, the parameter equation explores the rise of the Internet financial impact on the degree of market competition in China ＇s banking industry. Research shows that our country banking in nearly a decade has been in the monopolistic competition state and the competition degree has been increasing. The Internet financial impact on the banking competition degree in germination period is not great, but when the Internet finance develops to a certain level, the degree of competition of the banking industry in our country should be significantly positive correlation.Meanwhile, according to the empirical results, this paper puts forward the corresponding policy.

关 键 词：互联网金融 PANZAR-ROSSE模型 银行业竞争度 垄断竞争 

分 类 号：F832[经济管理—金融学]