韩国银行业市场竞争度的实证分析

An Empirical study on the degree of competition in South Korean banking

韩国金融开放的初始条件与我国有一定的相似性。通过对1996—2005年韩国的银行业市场竞争程度进行度量,我们发现:1.东南亚金融危机对韩国的银行业市场造成了巨大的冲击;2.危机后经过重建的韩国银行业竞争程度明显下降,趋于垄断。韩国已经经历了金融自由化和国际化的阶段,其经验和教训值得正在开放的中国银行业认真借鉴。

The initial condition of opening outside in South Korean banking and China is a certain similarity. This paper evaluates the degree of competition in South Korean banking during the year of 1996 - 2005, the empirical results suggest：1. The Asian financial crisis caused a huge impact on South Korean banking;2. Degree of competitive behavior is decreases and becomes less severe --the whole sector trends towards monopoly along with financial restructure after crisis. The banking industry in South Korea has already experienced free - competition and internationalization. Learning from the experiences and lessons, we hope to provide some advices for Chinese banks.