基于市场势力的中国银行业福利效应研究
发布时间：2018-10-24 18:29
【摘要】：对于中国银行业而言，最优的市场结构并非是完全竞争的市场结构,而是存在一定程度市场势力的市场结构,一般产业经济学研究文献主要集中在对银行业市场集中度、垄断市场结构和银行绩效等方面。本文结合已有的对银行垄断的研究方法，在综合分析银行垄断市场势力的基础上，进一步研究银行垄断市场势力所产生的社会福利效应。 本文选取中国前15家大型商业银行2001～2011年的统计数据，首先综合分析银行业市场结构，运用随机前沿成本函数估计15家商业银行的市场势力勒纳指数，定量说明我国银行业市场势力不容忽视；其次，从银行垄断市场势力自身效应出发,分析由市场势力在剥夺消费者剩余的过程中浪费的社会福利损失,得出垄断对社会福利的负效应；再次，考虑市场势力对于社会成本和福利的积极效应，一定程度的垄断是创新的先决条件，同时也是维护我国金融稳定的必然要求；最后，通过综合分析中国银行业市场势力的社会福利净损失和垄断间接效应造成的福利正效应，本文认为我国银行垄断的社会福利损失比较严重，而从我国商业银行市场势力的间接正福利效应角度考虑，银行业市场势力总体上提高了社会总福利。政府应继续深化金融领域改革，合理充分利用这种正效应，在降低我国银行业垄断市场势力和提高银行经营效率方面寻找平衡点，，尽可能的提高银行市场势力的正福利效应。
[Abstract]:For China's banking industry, the optimal market structure is not a completely competitive market structure, but a market structure with a certain degree of market power. Monopoly market structure and bank performance and so on. Based on the existing research methods of bank monopoly, this paper further studies the social welfare effect of bank monopoly market power on the basis of comprehensive analysis of bank monopoly market power. In this paper, the statistical data of the top 15 large commercial banks in China from 2001 to 2011 are selected. Firstly, the market structure of the banking industry is comprehensively analyzed, and the market power Lerner index of 15 commercial banks is estimated by using the stochastic frontier cost function. The quantitative analysis shows that the market power of our banking industry can not be ignored. Secondly, starting from the effect of the market power of the bank monopoly, this paper analyzes the social welfare losses wasted by the market forces in the process of depriving the consumers of the surplus. Finally, considering the positive effects of market forces on social costs and welfare, a certain degree of monopoly is a prerequisite for innovation and an inevitable requirement for maintaining financial stability in China. By synthetically analyzing the net loss of social welfare and the positive effect of the indirect effect of monopoly on the social welfare of China's banking market power, this paper holds that the social welfare loss of banking monopoly in China is quite serious. From the perspective of the indirect positive welfare effect of the commercial bank market power, the banking market power generally improves the total social welfare. The government should continue to deepen the reform of the financial field, make full use of this positive effect, and find a balance in reducing the monopoly market power and improving the efficiency of banking operation, and improve the positive welfare effect of the market forces as much as possible.
【学位授予单位】：黑龙江省社会科学院
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F224;F832.33
本文编号：2292200
[Abstract]:For China's banking industry, the optimal market structure is not a completely competitive market structure, but a market structure with a certain degree of market power. Monopoly market structure and bank performance and so on. Based on the existing research methods of bank monopoly, this paper further studies the social welfare effect of bank monopoly market power on the basis of comprehensive analysis of bank monopoly market power. In this paper, the statistical data of the top 15 large commercial banks in China from 2001 to 2011 are selected. Firstly, the market structure of the banking industry is comprehensively analyzed, and the market power Lerner index of 15 commercial banks is estimated by using the stochastic frontier cost function. The quantitative analysis shows that the market power of our banking industry can not be ignored. Secondly, starting from the effect of the market power of the bank monopoly, this paper analyzes the social welfare losses wasted by the market forces in the process of depriving the consumers of the surplus. Finally, considering the positive effects of market forces on social costs and welfare, a certain degree of monopoly is a prerequisite for innovation and an inevitable requirement for maintaining financial stability in China. By synthetically analyzing the net loss of social welfare and the positive effect of the indirect effect of monopoly on the social welfare of China's banking market power, this paper holds that the social welfare loss of banking monopoly in China is quite serious. From the perspective of the indirect positive welfare effect of the commercial bank market power, the banking market power generally improves the total social welfare. The government should continue to deepen the reform of the financial field, make full use of this positive effect, and find a balance in reducing the monopoly market power and improving the efficiency of banking operation, and improve the positive welfare effect of the market forces as much as possible.
【学位授予单位】：黑龙江省社会科学院
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F224;F832.33
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