我国银行业有效竞争的实证分析

An Empirical Study of Effective Competition in China's Banking Sector

中国渐进式的转型改革决定了与其他国家不同的制度背景,也决定中国银行业有效竞争具有独特的特点。本文在对建国后中国银行业的发展进行阐述分析的基础上,利用非结构方法建立Panzar-Rosse模型对我国银行业有效竞争进行实证研究,有针对性提出一些加强市场有效竞争的措施,以确保将银行业竞争保持在适度的水平上,在提高竞争过程中效率和透明度的同时,有效降低银行业中存在的脆弱性和不稳定性等问题,最终实现银行业稳健发展而有竞争性。

China＇s gradual reform not only has developed an institutional background different from other countries, but also has determined that effective competition in China＇s banking sector has its unique characteristics. Byanalyzing the development process of China＇s banking sector, this paper uses the non-structural method to establish a Panzar-Rosse model to empirically study the effective competition in China＇s banking sector, and proposes measures to maintain the moderate levels and ultimately form a healthy and efficient banking industry.