摘要
本文通过结构断点检验,对中国加入WTO是否引起中国商业银行竞争行为出现明显变化进行验证,在此基础上,实证研究外资银行进入与中国商业银行竞争行为之间的关系。结果表明:加入WTO后,国内银行业的对外开放,显著地提升了国内银行业的竞争,并且中小型商业银行之间竞争的加剧明显高于大型商业银行。外资银行进入与中国商业银行竞争行为之间呈现倒U型。外资银行进入会加剧中国商业银行之间的竞争,但只有当外资银行进入程度达到一定水平时,中国商业银行之间的市场竞争行为才会出现反转。目前,中国商业银行的市场竞争仍处于倒U型阶段的上升阶段,现阶段我国仍属于外资银行进入初期。
In this paper, the author apply structural break test to verify if China entry to WTO caused commercial bank＇ s competitive behaviors significant change, and then analyze the relationship between foreign bank＇ s enter and Chinese commercial bank＇ s competitive behaviors. The empirical result suggest that after joining the WTO, opening up the domestic banking sector, the competition among domestic banks improve significant, and competition among small and medium sized commercial banks are more intense than the large commercial banks. Further, the relationship between foreign banks enter and Chinese commercial bank＇s competitive behaviors is inverted U -shaped, namely foreign banks enter will intensify competition among domestic commercial banks, but only when the degree of foreign banks entry reaches a certain level, the competition will appear reversed. At present, Chinese commercial banks competition is still in the rising phase of inverted U - shaped, the foreign banks entry is still in early stages.
出处
《南方经济》
CSSCI
2012年第9期17-31,共15页
South China Journal of Economics
关键词
外资银行进入
商业银行
竞争行为
结构断点检验
PR模型
Foreign Banks Entry
Commercial Banks
Competitive Behaviors
Structural Break Test
PR model
