关于中国银行集中度风险的实证研究

本文采用熵值法分析银行业的集中程度。实证结果表明,熵值与银行业的风险是正相关,而熵值与银行集中度是负相关,也就是说银行的集中度越高,风险就越小,银行系统也就越安全。由此可以得出以下结论:开放经济情况下,银行业集中度的提高可以降低风险,尤其是在外部经济不确定的情况下,更应保持金融力量的集中,以此来对抗危机的冲击。

An Empirical Study On China's Banks Concentration Degree and Risk

In this paper,entropy method to analyze the concentration of the banking sector.The empirical results show that the entropy value and the risk of the banking sector is a positive correlation,entropy and bank concentration is negatively correlated, meaning that the higher the concentration of the bank,the smaller the risk,the banking system more secure.It can draw the following conclusions:the case of an open economy,the improvement of the banking sector concentration can reduce the risk,especially in the case of the external economic uncertainty,we should maintain the financial strength of the concentration,in order to confront the crisis.