摘要
遵循产业组织理论的经典的SCP范式的分析思路和理论框架,对传统的共谋假设、相对市场力量假设和效率结构假设进行检验。研究发现,我国的银行业市场结构由原来的高寡占的市场向适度集中的市场发展,市场的竞争程度提高,银行总体效率水平呈上升趋势。市场份额、银行效率与商业银行的盈利能力间正相关关系显著,而市场集中度与盈利能力则呈负相关。实证结果支持相对市场力量假设和效率结构假设,但不支持共谋假设。
A study is conducted to test the traditional collusion hypothesis,the relative market forces hypothesis and the efficient structure hypothesis by using the theoretical framework of the SCP model of the theory of industrial organization.The study shows that the structure of China＇s banking market transforms from high-oligopoly market to moderate concentration market,which enhances competitiveness and the overall efficiency of banks is on the rise.The positive correlation among the market share,the bank efficiency and the profitability of commercial banks is outstanding.But there is a negative correlation between the market concentration and profitability.The empirical results support the relative market forces hypothesis and efficiency structure hypothesis,but does not support the collusion hypothesis.
出处
《税务与经济》
CSSCI
北大核心
2010年第3期33-38,共6页
Taxation and Economy
关键词
商业银行
盈利能力
产业组织理论
产业结构
commercial bank
profitability
theory of industrial organization
industrial structure.
