我国银行业市场结构变迁的实证分析.docVIP

- PAGE 9 . z - - -. - - 总结资料 1993－2003我国银行业市场构造变迁的实证分析 ——基于Panzar－Rosse*式的考察 赵子铱1 彭琦2 邹康2 〔1．**交通大学，**，710061；2. 西南财经大学，**，610074〕 摘要：1993－2003年，随着我国逐步由方案经济向市场经济转轨和金融体制改革的深入，我国银行业市场构造和整体经营效率状况也发生了一定变化。本文采用了非构造法——Panzar－Rosse模型对银行业市场竞争构造进展了准确的计量实证分析，根据本文的研究结果发现我国商业银行业整体上处于垄断竞争型市场构造，我国商业银行业市场竞争程度有下降的趋势。虽然我国整个银行业处于垄断竞争型市场构造，但四大国有商业银行之间的竞争环境具有接近完全竞争型市场构造的特点。我国其他的10家股份制商业银行之间的竞争程度明显低于四大国有商业银行之间竞争程度。这为决策部门根据市场构造状况制定有效的经济金融政策提供了可靠准确的理论根底。 关键词：银行业市场构造、Panzar－Rosse模型、H统计值 1993－2003Emprical Analysis on the Change of the China BankingIndustry Market Structure:Panzar-Rosse Approach Zhao Ziyi1 Peng Qi2 Zou Kang2 Xi’anJiaotong South Western University of the Finance and Economics，Chengdu，610074) Abstract：The transitional process from a centralized economy to a market-oriented system and the reform of the financial system carriedthrough during period 1993-2003 in China. The market structure and the overall efficiency in China banking industry had change more than ever. The paper utilizes the non-structure approach, Panzar－Rosse model, toaccurately empirically e*amine the petition in China Banking Industry. Thepaper suggests thatthe market structure in China banking industry is monopolistic petition and the trend of the petition degree in banking industry is dropping. Although the industry is monopolistic petition, the petition environment of the four state-owned mercial banks has a characteristic, which market structure is nearly perfect petition. The other ten joint-stock mercial banks have a petition degree obviously lower than that of the four state-owned mercial banks. And all of these provide the accuratetheory basis for the financial decision-making sector to design the effective economical and financial policy. Key Words：banking industry market