我国银行业竞争与银行效率关系研究

Research on the Relationship Between China's Banking Competition and Banking Efficiency

分析银行业竞争与银行效率的关系,微观层面上关系到银行经营管理水平的高低,宏观层面上关系到银行业外部的产业发展与经济增长。银行业竞争与银行效率关系研究涉及到三个问题:我国银行业处于什么样的竞争状态?银行业的效率如何?银行业的竞争对于效率有何影响?本文通过实证研究回答了上述问题。采用扩展的P-R模型测度了我国银行业2002～2009年的竞争程度,结论是我国银行业处于寡头垄断阶段;用DEA方法研究了我国银行业的效率,结果表明银行业效率尚未达到有效;用计量经济学模型研究了我国银行业竞争对效率的影响,发现我国银行业竞争能促进效率提高。在此基础上提出了有针对性的政策建议。

Analysis of the relationship between Banking competition and efficiency is related to management of the bank, development of banking industry and economic growth. Research on the Relationship between banking competition and efficiency involves three issues ： what kind of competition is it in the banking industry.9 How is the efficiency of the bank- ing industry？ What is the impact of competition on the efficiency of the banking industry？ In this paper, empirical re- search is made to answer the above questions. The extended P-R model is used to measure the degree of competition in the banking industry from 2002 to 2009, the result shows that China＇ s banking industry is in an oligopoly stage; study with the DEA method comes to that efficiency of China＇ s banking industry has not reached effectiveness ; the Economet- ric Model is carried on to measured the impact of competition on the efficiency of the banking industry, and it is found that competition in China＇ s banking industry can promote efficiency. On this basis, proposals have been put forward.