市场竞争度对不同类型银行的收益影响一致吗——基于我国101家商业银行的实证研究

Does Market Competition Level Exert Same Effects on the Returns of Different Types of Banks——An Empirical Study on the Data of 101 Commercial Banks in China

利用我国101家商业银行2005—2015年的数据,研究市场竞争度对商业银行收益的影响。结果表明,无论是对于国有商业银行、股份制商业银行还是地方性商业银行,市场竞争度与银行收益之间均存在显著的负相关关系。在市场竞争度提高的过程中,地方性商业银行受到的冲击最大,股份制商业银行次之,国有商业银行受到的冲击最小,原因在于各类商业银行在资产规模、政府政策、业务种类、技术水平、客户群体和地理位置等方面存在差异。

Based on the data of 101 commercial banks in the period of 2005-2015, this paper makes a research on the relation- ship between market competition level and bank returns. The results show that there is a significant negative correlation between them, whether it is for state-owned commercial banks, joint-stock commercial banks or local commercial banks. With the improvement of the market competition level, local commercial banks will be most affected, then the impact on joint-stock commercial banks and that on state-owned commercial banks. And above differences are caused by various factors, like asset size, government policy, business types, technical level, customer groups and geographical location.