| 银行监管对银行业结构演进的影响——基于市场准入与经营范围监管视角的研究 |
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| 引用本文： | 范小云,肖立晟,王博.银行监管对银行业结构演进的影响——基于市场准入与经营范围监管视角的研究[J].财经研究,2010(4). |
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| 作者姓名： | 范小云 肖立晟 王博 |
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| 作者单位： | 南开大学经济学院;南开大学经济学院;南开大学经济学院 |
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| 基金项目： | 教育部重点研究基地重大项目(2009JJD790027);;教育部重大攻关项目(09JZD0016);;国家自然科学基金项目(70773061) |
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| 摘 要： | 文章以银行业集中度作为银行业结构的代理变量,实证检验了市场准入和经营范围的监管对一国银行业结构的影响。研究结果表明:(1)对国内银行市场准入的限制会增加银行业集中度,加强外资银行准入的限制则会降低银行业集中度;(2)发展中国家对于银行从事证券业务的限制更敏感;(3)发达国家对于银行从事保险和房地产业务的限制更敏感。拓展模型结果显示,放松外资银行准入会强化银行经营范围监管对银行业集中度的边际效应。
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| 关 键 词： | 银行监管 银行业结构 经营范围 市场准入 |
The Effect of Banking Supervision on the Evolution of Banking Structure:In a Perspective of Supervision on Market Access and Business Scope |
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| FAN Xiao-yun,XIAO Li-sheng,WANG Bo.The Effect of Banking Supervision on the Evolution of Banking Structure:In a Perspective of Supervision on Market Access and Business Scope[J].The Study of Finance and Economics,2010(4). |
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| Authors: | FAN Xiao-yun XIAO Li-sheng WANG Bo |
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| Institution: | School of Economics;Nankai University;Tianjin 30071;China |
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| Abstract: | The paper takes banking concentration as a proxy variable of banking structure and analyzes empirically the impact of supervision on market access and business scope on banking structure.The results show that the restrictions on market access of domestic banks increase banking concentration,but the ones on market access of foreign banks reduce banking concentration.Developing countries are more sensitive to the restrictions on banks' participation of securities business and developed countries are more sens... |
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| Keywords: | banking supervision banking structure business scope market access |
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