外资银行进入中国市场的竞争效应研究

发布时间：2018-08-06 08:01

【摘要】：本文运用Panzar-Rosse模型计算了1995—2006年间中国银行业的H值及每年的Ht值,并以Ht值为被解释变量,以市场集中度(CR4)、外资银行机构数、外资银行资产份额和市场不稳定程度(IIt)为解释变量,分析外资银行进入对中国银行业市场竞争程度的影响。结果表明:1995—2006年间中国银行业市场结构是垄断竞争型市场结构;外资银行进入强化了中国银行业市场竞争程度,但作用有限;外资银行资产份额与市场竞争程度存在较弱的正相关关系,而机构数与竞争程度不相关;市场集中度与市场竞争程度负相关,验证了SCP假说;市场稳定程度与市场竞争程度呈现出很弱的负相关。相应的政策建议是:加大引进外资银行的力度;提高国内银行业的创新能力;完善对外资银行的竞争性管制。
[Abstract]:This paper uses the Panzar-Rosse model to calculate the H value and the annual Ht value of China's banking industry between 1995 and 2006, and takes the Ht value as the explanatory variable, with the market concentration (CR4), the number of foreign bank institutions, the assets share of foreign banks and the degree of market instability (IIt) as the explanatory variables, and analyzes the competition of the foreign banks in the Chinese banking market. The results show that the market structure of China's banking industry is monopolistic competitive market structure from 1995 to 2006, and the entry of foreign banks strengthens the competition degree of Chinese banking market, but its role is limited; there is a weak positive correlation between the assets share of foreign banks and the degree of market competition, and the number of institutions is not related to the degree of competition; There is a negative correlation between the degree of concentration and the degree of market competition, which validates the SCP hypothesis; the degree of market stability has a very weak negative correlation with the degree of market competition. The corresponding policy suggestions are to increase the strength of foreign banks, improve the innovation ability of domestic banks, and improve the competitive control of foreign banks.
【作者单位】：湖北经济学院;中国社会科学院数量经济与技术经济研究所;
【基金】：国家社会科学基金青年项目(09CJY048)
【分类号】：F832.3;F224

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