政府行为对银行业市场竞争度影响的研究

发布时间：2018-06-26 12:34

本文选题：政府行为 + 银行业　；参考：《中南大学》2013年硕士论文

【摘要】：摘要：在中国银行业发展的整个现代历史中都不曾缺少政府的身影,而中国的经济金融体制的形成机制也决定了政府在金融市场中的主导地位,这种主导地位决定了政府行为与银行业市场竞争之间的关系是密不可分的。本文主要研究政府经济行为对银行业市场竞争的影响,并从两个维度界定政府经济行为的范畴,一个维度分为政府的货币政策、财政政策、金融制度供给等,另一个维度分为中央政府行为与地方政府行为。本文在总结政府行为相关理论与银行业市场竞争度测度理论的基础上研究了政府行为对银行业市场竞争度的影响。在理论分析方面,研究了政府在中国银行业的产权变迁和市场结构的作用,分析了政府行为影响银行业市场竞争的传导机理以及中央政府与地方政府在银行业竞争的行为表现。在实证检验方面,本文在修正了PR模型的基础上重新测度了中国银行业的市场竞争度,得出中国银行业处于垄断竞争格局的结论；之后构建了政府经济行为相关变量与银行业市场竞争度之间的关系模型,通过自变量的筛选以及Granger因果关系检验,得出在现在的市场经济发展的状况下银行业中国有产权比例与证券市场发展程度是银行业市场竞争度的Granger原因的结论,这说明制度性规范在整个银行业中的地位与重要性。因此,要规制政府行为,规范中央政府与地方政府的行为,加快银行股权结构改革,建立存款保险制度与金融主体多元化体系,继续银行业改革等。本文重点研究了政府经济行为与银行业市场竞争之间的关系以及中央政府与地方政府在银行业竞争的行为表现,并从实证方面分析了政府经济行为对银行业市场竞争度的影响,在此基础上得出政府促进银行业有效竞争的行为规范。
[Abstract]:Absrtact: in the whole modern history of the development of China's banking industry, there is no lack of the government, and the forming mechanism of China's economic and financial system also determines the leading position of the government in the financial market. This dominant position determines that the relationship between government behavior and banking market competition is inextricably linked. This paper mainly studies the influence of government economic behavior on banking market competition, and defines the scope of government economic behavior from two dimensions, one dimension is divided into government monetary policy, fiscal policy, financial system supply, etc. Another dimension is divided into central government behavior and local government behavior. On the basis of summarizing the theory of government behavior and the theory of measuring the degree of competition in banking market, this paper studies the influence of government behavior on the degree of competition of banking market. In the aspect of theoretical analysis, this paper studies the role of government in the change of property rights and market structure in China's banking industry, and analyzes the transmission mechanism of government behavior affecting the market competition of banking industry and the behavior of central government and local government in banking competition. In the empirical test, this paper remeasures the market competition degree of China's banking industry on the basis of the revised PR model, and draws the conclusion that the Chinese banking industry is in a monopoly competition pattern. Then the relationship model between government economic behavior related variables and banking market competition degree is constructed, and through the screening of independent variables and Granger causality test, the relationship between government economic behavior variables and banking market competition is established. The conclusion is that the ratio of state-owned property right and the degree of development of securities market are the Granger reasons of banking market competition under the condition of the development of market economy, which shows the status and importance of institutional norms in the whole banking industry. Therefore, we should regulate government behavior, standardize the behavior of central government and local government, speed up the reform of bank equity structure, establish deposit insurance system and diversified system of financial subject, and continue banking reform. This paper focuses on the relationship between government economic behavior and banking market competition, as well as the behavior of central government and local government in banking competition, and analyzes the impact of government economic behavior on banking market competition. On this basis, the government to promote effective competition in the banking sector behavior norms.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：D630;F832.3

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