基于复杂网络的银行竞争行为研究

发布时间：2018-08-27 08:13

【摘要】：以上市公司的长期银行借款为基本关系,构建银行共同贷款网络,运用复杂网络理论,对比研究了2000年和2009年的网络特征,发现:①非国有大型商业银行首先是争夺国有大型商业银行的市场,而不是自身的相互争夺;②全国股份制商业银行,虽然在上世纪90年代已相继成立,但业务开展并不好,但在样本期间,业务发展相当迅速,形成仅次于国有大型商业银行的中心节点,与国有大型银行共同形成银行系统的核心集团;③虽然国有大型商业银行仍是整个银行系统的中心,但中心地位已有所下降,对整个银行系统的影响力也显著下降,且各国有大型商业银行的影响力已趋于一致,专业性界限已非常模糊;④银行间,特别是居于核心集团的银行之间的共同客户越来越多,银行间接触更加频繁,这不仅是银行间竞争的加剧,同时银行间信息的分享和风险的分担都加强了。
[Abstract]:Taking the long-term bank loan of listed companies as the basic relationship, the paper constructs the network of common bank loans, and studies the network characteristics of 2000 and 2009 by using the theory of complex network. It is found that the first major non-state-owned commercial banks compete for the market of large state-owned commercial banks, rather than their own competition for each other. Although the national joint-stock commercial banks were established one after another in the 1990s, their business has not developed well. However, during the sample period, the business developed rapidly, forming the central node of the second largest state-owned commercial bank, and forming the core group of the banking system together with the large state-owned bank. (3) although the state-owned large commercial banks are still the center of the whole banking system, the central position has declined, and the influence on the whole banking system has also decreased significantly, and the influence of the large state-owned commercial banks has tended to be consistent. Professional boundaries have become very blurred among banks, especially among banks living in core groups, with more and more common customers and more frequent interbank contacts. This is not only the intensification of inter-bank competition, At the same time, inter-bank information sharing and risk sharing have been strengthened.
【作者单位】：四川大学工商管理学院;
【基金】：国家自然科学基金项目(70672014) 国家社会科学基金重点项目(09AZD046)
【分类号】：F832.3;F224

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