摘要
随着金融消费者保护监管水平的提高,其对银行业集中度产生的影响呈现先下降后上升的"U"型特征。各国人均收入的差异使金融消费者保护监管对银行业集中度的影响存在异质性,低收入和中等收入国家"U"型影响仍然存在,且对低收入国家更为显著,但高收入国家却呈现"倒U"型特征。金融消费者保护监管对银行业集中度的"U"型影响,在集中度本身就较高的国家最为明显。
This paper examines the impact of financial behavior regulation on banking market structure and finds that：the influence of behavior regulation on banking concentration has the characteristic of ＂U＂ shape;difference in per capita income has heterogeneity effect on the con- clusion above. The influence still presents the ＂U＂ shape in low-and middle -income countries, and is more significant for low-income countries, while in high-income countries, it presents the ＂reverse U＂ shape; the ＂ U＂ shape impact of behavior regulation on banking concentration is most significant in the countries with higher concentration.
作者
张娜
Zhang Na(The School of Banking and Finance, University of International Business and Economics, Beijing 100029)
出处
《金融经济学研究》
CSSCI
北大核心
2017年第1期73-84,110,共13页
Financial Economics Research
关键词
金融监管
行为监管
金融消费者保护
银行业市场结构
银行业集中度
financial supervision
behavior regulation
financial consumer protection
bankingmarket structure
banking concentration
