银行业市场结构对银行信贷规模影响研究  

Research on the Impact of Banking Market Structure on Bank Credit Scale

作　　者：韩启威 HAN Qi-wei(School of Economics and Management,Hubei University of Technology,430000,Wuhan,Hubei,China)

机构地区：[1]湖北工业大学经济与管理学院,湖北武汉430000

出　　处：《特区经济》2023年第6期125-128,共4页Special Zone Economy

摘　　要：改革开放以来,我国银行业会场结构在不断地变化,虽然逐步形成了多元化的竞争体系,但在加剧的竞争环境下,商业银行存在着较为明显的信贷业务扩张行为,为更好地调整银行业市场结构,规范商业银行信贷业务,本文选取HHI指数测度银行业市场结构,来研究银行业市场结构对商业银行信贷规模的影响,研究发现,我国银行业垄断程度越来越低,竞争程度越来越高,竞争的环境会促进商业银行发展信贷业务。基于上述结论,本文提出了相应的政策建议。Since the reform and opening up,the structure of China’s banking industry has been constantly changing.Although a diversified competition system has been gradually formed,commercial banks have obvi⁃ous credit business expansion behavior in the intensified competition environment.In order to better adjust the banking market structure and standardize the credit business of commercial banks,this paper selects the HHI index to measure the banking market structure to study the impact of the banking market structure on the credit scale of commercial banks.The study found that the degree of monopoly of China's banking industry is getting lower and lower,and the degree of competition is getting higher and higher.The competitive environ⁃ment will promote the development of credit business of commercial banks.Based on the above conclusions,this paper puts forward corresponding policy recommendations.

关 键 词：银行业市场结构 银行信贷规模 HHI指数 

分 类 号：F832.4[经济管理—金融学] F832.33