市场竞争度与银行非利息收入关系研究  

The Relationship between Market Competition and Bank Non-interest Income

作　　者：申创[1] 赵胜民[1] 

机构地区：[1]南开大学金融学院金融系,中国特色社会主义经济建设协同创新中心

出　　处：《经济评论》2017年第1期53-67,共15页Economic Review

基　　金：教育部人文社会科学研究规划基金项目"我国宏观审慎政策协调问题研究"(项目编号:15YJA790090)的资助;中国特色社会主义经济建设协同创新中心的研究成果

摘　　要：近年来我国银行业非利息收入迅速增长,这与市场竞争度的改变密切相关,但国内外缺乏关于二者之间关系的研究。本文利用我国2005-2014年101家商业银行的非平衡面板数据,运用动态面板广义矩估计(GMM)方法,并采用Lerner指数和Boone指数作为竞争度衡量指标,首次针对银行业竞争度和非利息收入之间的关系进行了研究。结果表明,对于全部商业银行样本,竞争度的提升同时提高了总体非利息收入水平和分类的非利息收入水平;对于国有商业银行和股份制商业银行样本,竞争度的提高增加了国有商业银行和股份制商业银行的手续费及佣金收入,但对于其他非利息收入则没有显著影响;而对于地方性商业银行样本,竞争度的提高则增加了地方性商业银行的其他非利息收入,但对于手续费及佣金收入则没有显著影响。因此,监管者应当针对不同种类的银行采取差异化的监管方式,而各类银行也应当根据自身特点选择合理的发展策略。In recent years, the non-interest income of China＇ s banking industry is growing rapidly, which is closely related to the change of market competition degree, but there is no research on the relationship between the two at home and abroad. Based on 101 commercial banks＇ unbalanced panel data of our country during the periods of 2005-2014 and using Lerner index and Boone index to measure the degree of competition, this paper firstly analysis the relationship between the degree of market competition and bank non- interest income with the method of dynamic panel GMM estimation. The results show that the increase in competition has a significant positive impact on both total non-interest income and classified non-interest income for the sample of all commercial banks. For the sample of state-owned commercial banks and joint- stock commercial banks, the increase in competition raises net fees and commisions, but it has no significant impact on other non-interest income. And for the sample of local commercial banks, the increase in competition raises other non-interest income, but it has no significant impact on net fees and commisions. Therefore, regulators should adopt different supervision methods for different kinds of banks, and all kinds of banks should choose reasonable development strategies according to their own characteristics.

关 键 词：银行业竞争度 非利息收入 手续费及佣金收入 其他非利息收入 

分 类 号：F224[经济管理—国民经济] F832.33