| 我国商业银行市场结构现状分析及其优化研究 |
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| 引用本文： | 李一鸣,薛峰. 我国商业银行市场结构现状分析及其优化研究[J]. 中国工业经济, 2008, 0(11) |
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| 作者姓名： | 李一鸣 薛峰 |
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| 作者单位： | 西南财经大学产业经济研究所; |
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| 基金项目： | 西南财经大学“211工程”3期重点建设项目“中国企业管理行为与组织理论创新研究” |
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| 摘 要： | 本文基于我国13家商业银行2000-2006年的面板数据。对我国商业银行业市场结构、绩效等情况进行实证分析。得出我国商业银行业市场集中度趋于下降.我国银行的垄断状态逐渐被打破。在商业银行市场结构与银行绩效的回归结果上表现为:伴随着市场集中度下降,各商业银行绩效得到提高;商业银行资产规模对其绩效带来负的影响;银行管理水平、创利能力对其绩效产生显著的正向影响;产品差异化与银行绩效则显示弱的正向关系。本文认为完善银行业微观基础、降低政策性市场壁垒、提高银行差异化产品的服务能力、拓展银行国际业务等是我国银行市场结构优化的方向。
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| 关 键 词： | 商业银行 市场结构 市场绩效 |
Analysis of China's Commercial Banking Market Structure and Its Optimization |
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| LI Yi-ming XUE Feng. Analysis of China's Commercial Banking Market Structure and Its Optimization[J]. China Industrial Economy, 2008, 0(11) |
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| Authors: | LI Yi-ming XUE Feng |
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| Affiliation: | LI Yi-ming XUE Feng(Southwestern University of Finance , Economics,Chengdu 610074,China) |
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| Abstract: | This paper analyzes China's commercial banking market structure and market performance,based on the panel data from 2000 to 2006 of China's 13 commercial banks.It is easily to get that market concentration of China's commercial banking has been tending to decline,and the monopoly status of China's state-owned banks are gradually being broken.According to regression relationship between commercial banking market structure and performance,it is concluded that with the decline of market concentration rate,comm... |
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| Keywords: | commercial banking market structure market performance |
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