区域银行竞争与银行业稳定关系的分析

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1、区域银行竞争与银行业稳定关系的研究AbstractBankingindustryisthemostimportantdepartmentofacountry．Thestabilityofthebankhasagreatsignificanceforfinancialstabilityandthestabilityofthewholeeconomy．ThedevelopmentofChinesebankingindustryhasitsparticularity．Foralongtime，thereex

2、istsomequestions，suchasinsufficientcompetition，lowefficiencyandSOon．Alongwiththereform，thecompetitionbetweenbanksischangingtoo．Wouldbankcompetitionaffectbankstability?Thereexisttwokindsofviews：Oneis”competition·stabilitytheory”，onekindis”competition-wea

3、ktheory”．Therelationshipbetweenthecompetitionandstabilityispositivecorrelationornegativecorrelation，theacademiccirclesstilldidn’treachunanimousconclusion．Analysisthebankmarketcompetitionandstable，andtoexploretherelationshipbetweenthem，ithascertainsignif

4、icanceforsupervisiondepartmentstotakemeasures，maintainthestabilityofthebankingsystemfromthemacrolevel．Thispaperstudiesmainlyfocusonthebanksinthecountyarea．Analysiswhatkindofrelationshipexistbetweenthebankcompetitionandbankstability．Firstofall，analysisth

5、ecompetitionofthebank，discussesthemethodofmeasuringbankcompetition，andanalyzestheinfluencefactorsofthebankcompetition-banknumber，andtherelationshipbetweenthem．Next，analyzethestabilityofregionalbanks，discussthedefinitionofbankstabilityandtheinfluentialfa

6、ctorsofthebankstability．Basedontheanalysisbefore，discusstherelationshipbetweencompetitionandstability，expoundtheviewsof”competition—stabilitytheory”and”competition—weaktheory”．Next，usethecountyofHunanprovinceasanexample，usetheempiricalmeasurementmethod，

7、respectivelymeasureouttheregionalBankscompetitiondegree-Hvalue，aswellasmeasureregionalBanksstability-Zindex．Again，usingtheeconometricmodel，analysistherelationshipbetweenChineseregionalbankcompetitionandthebankstability，itisconcludedthatthecompetitionish

8、elpfultoenhancethebankstability．Finally，basedontheanalysisbefore，putforwardthepolicySuggestionsofimprovingthebank’Scompetitionsituationunderthepreconditionofbankstability．Thefinalconclusionisthat，inthecountyarea，thereispositiveco