摘要
首先采用Panzar-Rosse模型定量研究近几年来我国商业银行业市场结构的变迁,在此基础上进一步研究信用卡的发展与商业银行市场结构变迁的关系。对我国商业银行近十年数据的实证研究表明,由于近些年我国对于银行业的政策不断放开,市场竞争总体来说越来越激烈。但是,信用卡的发展却减弱了商业银行业市场的竞争强度。
The paper first quantitatively researched China＇s commercial banking market structure changes in recent years with Panzar-Rosse model, and then further researched the relationship between the development of credit card and commercial banking market structure changes. The empirical studies shown that in recent years due to the policy of our country in the banking industry,the market structure becomes more and more intense. However, the development of credit cards diminished the competitive strength of commercial banking market structure.
出处
《经济研究导刊》
2010年第8期118-120,共3页
Economic Research Guide
