转型时期中国银行业行政性垄断福利损失的实证研究

An Empirical Study on Administrative Monopoly Welfare Losses of China's Banking Industry in Transition Period

本文对我国银行业是否存在行政性垄断进行产业结构验证和制度剖析,并利用16家上市银行2000-2013年的数据,通过Harberger和CM两种估算方法,对银行业行政性垄断所造成的各种福利损失进行实证测算,结果表明行政性垄断确实给我国经济社会带来巨大的福利损失,通过深化改革破除银行业的行政性垄断势在必行。

Firstly,this paper tries to verify the existence of the administrative monopoly in China＇s banking industry by industrial structure verification and system analysis. What＇s more,it estimates the welfare losses of banking industry by using the 16 listed banks＇ financial data of 14 years from 2000 to 2013 and applying the two estimatione methods of Harberger and CM. The results show that administrative monopolies have brought huge losses to China＇s economic and social welfare. Therefore,China must deepen its all-round reform to erase the administrative monopoly in China＇s banking industry.