本文選題：利率市場(chǎng)化　切入點(diǎn)：地區(qū)銀行業(yè)　出處：《浙江學(xué)刊》2017年02期 　論文類型：期刊論文

【摘要】：利率市場(chǎng)化改革深刻影響我國(guó)各地區(qū)銀行業(yè)的市場(chǎng)競(jìng)爭(zhēng)。本文采用PR模型創(chuàng)新性地從地區(qū)層面測(cè)算了銀行業(yè)市場(chǎng)競(jìng)爭(zhēng)度。結(jié)果表明,各地區(qū)的銀行業(yè)市場(chǎng)都呈現(xiàn)壟斷競(jìng)爭(zhēng)格局,且全國(guó)性股份制商業(yè)銀行之間的競(jìng)爭(zhēng)度要高于各地區(qū)的銀行業(yè)競(jìng)爭(zhēng)度。在此基礎(chǔ)上,實(shí)證檢驗(yàn)了利率市場(chǎng)化改革、銀行業(yè)集中度和銀行數(shù)量等因素對(duì)各地區(qū)銀行業(yè)競(jìng)爭(zhēng)度的影響,并提出了銀行業(yè)改革的對(duì)策建議。
[Abstract]:The market-oriented interest rate reform has a profound impact on the market competition of the banking industry in various regions of China. In this paper, the degree of market competition of the banking industry is calculated creatively from the regional level by using PR model. The results show that the banking market in all regions presents a monopoly competition pattern. Moreover, the degree of competition among national joint-stock commercial banks is higher than that of regional banks. On this basis, the paper empirically tests the interest rate marketization reform. The influence of banking concentration and bank quantity on regional banking competition is discussed, and the countermeasures and suggestions for banking reform are put forward.
【作者單位】： 浙江大學(xué)經(jīng)濟(jì)學(xué)院;浙江中醫(yī)藥大學(xué)人文社科學(xué)院;
【基金】：國(guó)家社科基金重點(diǎn)課題階段性成果,項(xiàng)目批準(zhǔn)號(hào):16AJY002
【分類號(hào)】：F832.33;F832.5

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