| 银行规模、竞争与稳定——基于动态面板的GMM估计 |
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| 引用本文： | 刘晶,刘旸.银行规模、竞争与稳定——基于动态面板的GMM估计[J].铜陵财经专科学校学报,2013(2):22-26. |
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| 作者姓名： | 刘晶 刘旸 |
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| 作者单位： | [1]安徽师范大学,安徽芜湖241000 [2]渤海银行上海支行,上海201400 |
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| 基金项目： | 2010年安徽师范大学培育基金项目（2010repy006）. |
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| 摘 要： | 应用2007—2010年31家银行的面板数据实证研究发现，中国商业银行的市场份额与稳定性呈倒U形关系，进而推断已有研究中广泛争论的竞争性脆弱和竞争性稳定是倒U形关系的特例。适度竞争有助于提高银行体系的稳定性，由于不良贷款的潜在性，银行稳定性有突然逆转的可能。小型银行的稳定性较低，应为小型银行建立安全网和退出机制，预防竞争性脆弱。
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| 关 键 词： | 竞争性脆弱 倒U形关系 适度竞争 |
Bank Scale, Competition and Stability- GMM Estimation Based on Dynamic Panel Data |
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| Authors: | Liu |
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| Institution: | Liu Jing, Liu Yang (1. Anhui Normal University, Wuhu Anhui 241000,China;2. Huaxia Branch of Huaxia Bank,Shanghai 201400,China) |
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| Abstract: | The empirical study founds inverted U-shaped relationship between the market share and stability of commercial banks, and thus infers that the debated competitive fragile and competitive stability theory are special ease of the inverted U-shaped relationship. Moderate competition helps to improve the stability of the banking system, due to the potential of non-performing loans, bank stability could be suddenly reversed. The stability of small banks is the lowest, it is necessary to establish a safety net and exit mechanism for small banks to prevent competitive fragility. |
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| Keywords: | competitive fragility inverted U-shaped relationship moderate competition |
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