银行监管对银行业结构演进的影响——基于市场准入与经营范围监管视角的研究
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财经研究 2010 年 第 36 卷第 04 期, 页码：104 - 112
摘要
参考文献
摘要
文章以银行业集中度作为银行业结构的代理变量,实证检验了市场准入和经营范围的监管对一国银行业结构的影响。研究结果表明:(1)对国内银行市场准入的限制会增加银行业集中度,加强外资银行准入的限制则会降低银行业集中度;(2)发展中国家对于银行从事证券业务的限制更敏感;(3)发达国家对于银行从事保险和房地产业务的限制更敏感。拓展模型结果显示,放松外资银行准入会强化银行经营范围监管对银行业集中度的边际效应。
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[3]Amel D F,Nellie L.Dynamics of market concentration in U.S.banking,1966-1986[J].International Journal of Industrial Organization,1990,8(3):375-384.
[4]Bajtelsmit V L,Ligon J A.Can the interests of shareholders explain industry attitudes towardbanking-insurance mergers?[J].Journal of Economics and Finance,1996,20:3-12.
[5]Barth J R,Caprio G,Levine R.Bank regulation and supervision:What works best?[J].Journal of Financial Intermediation,2004,13(2):205-248.
[6]Beck T,Demirguc-Kunt A,Maksi movic V.Bank competition and access to finance:In-ternational evidence[J].Journal of Money,Credit and Banking,2004,36(6):627-648.
[7]Bourke P.Concentration and other determinants of bank profitability in Europe,NorthAmerica and Australia[J].Journal of Banking and Finance,1989,13:65-79.
[8]Brewer E,Jackson WE,Jagtiani J A,Nguyen T.The price of bank mergers in the 1990s[J].Economic Perspectives,2000,24(1):2-25.
[9]Cetorelli Nicola,Michele G.Banking market structure,financial dependence and growth:International evidence fromindustry data[J].The Journal of Finance,2002,56(2):617-648.
[10]Cyree K B,Wansley J W,Boehm T P.Determinants of bank growth choice[J].Journalof Banking and Finance,2000,24:709-734.
[11]Demirgui-Kunt A,Laeven L,Levine R.Regulations,market structure,institutions,and the cost of financial intermediation[J].Journal of Money,Credit and Banking,Jour-nal of Money,Credit and Banking,2004,36(3):593-622.
[12]Guzman M G.Bank structure,capital accumulation and growth:A si mple macroeco-nomic model[J].Economic Theory,2000,16:421-455.
[13]Keeley M C.Deposit insurance,risk,and market power in banking[J].The AmericanEconomic Review,1990,80:1183-1200.
[14]Peria M.Howforeign participation and market concentrationi mpact bank spreads:Evi-dence from Latin America[J].Journal of Money,Credit,and Banking,2004,36:511-537.
[15]Rajan R G,Zingales L.Financial systems,industrial structure,and growth[J].OxfordReviewof Economic Policy,2001,17:467-482.
引用本文
范小云, 肖立晟, 王博. 银行监管对银行业结构演进的影响——基于市场准入与经营范围监管视角的研究[J]. 财经研究, 2010, 36(4): 104–112.
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