利率市场化改革与地区银行业竞争

发布时间：2018-03-06 14:34

本文选题：利率市场化　切入点：地区银行业　出处：《浙江学刊》2017年02期 　论文类型：期刊论文

【摘要】：利率市场化改革深刻影响我国各地区银行业的市场竞争。本文采用PR模型创新性地从地区层面测算了银行业市场竞争度。结果表明,各地区的银行业市场都呈现垄断竞争格局,且全国性股份制商业银行之间的竞争度要高于各地区的银行业竞争度。在此基础上,实证检验了利率市场化改革、银行业集中度和银行数量等因素对各地区银行业竞争度的影响,并提出了银行业改革的对策建议。
[Abstract]:The market-oriented interest rate reform has a profound impact on the market competition of the banking industry in various regions of China. In this paper, the degree of market competition of the banking industry is calculated creatively from the regional level by using PR model. The results show that the banking market in all regions presents a monopoly competition pattern. Moreover, the degree of competition among national joint-stock commercial banks is higher than that of regional banks. On this basis, the paper empirically tests the interest rate marketization reform. The influence of banking concentration and bank quantity on regional banking competition is discussed, and the countermeasures and suggestions for banking reform are put forward.
【作者单位】：浙江大学经济学院;浙江中医药大学人文社科学院;
【基金】：国家社科基金重点课题阶段性成果,项目批准号:16AJY002
【分类号】：F832.33;F832.5

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