金融监管视角下我国银行业scp范式-研究

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1、万方数据关键词：金融监管；产业组织理论；SCP范式；“结构．效率”悖论万方数据j＆塞銮道态堂亟±堂僮途塞△旦SIB△￡!ABSTRACTAnalysisofMarketStructure，ConductandPerformanceofcommercialbankstartedin1990s，andtherearevariouswaysandperspectivestostudythisSCPParadigm．ThetraditionalSCPParadigmactsasthekeypartofindustrytheory,andthereiscause—

2、effectrelationshipamongMarketStructure，ConductandPerformance．Besides，SCPParadigmcreatesaclearthreadofthethreeforms．Contentsofthisarticlebasicallyfollowsthes劬ctIlreoftheschoolofindustrialorganizationtheorytoanalyzeSCPparadigm，combinedwithChina’Suniquewayofbankingfinancialregulatio

3、n，thespecialownershipstructureofthebankingsector．Thisalsoactsasaninnovationpoint．Researchmethodsincludequalitativeandquantitativeanalysis．Throughthetheoryofindustrialorganizationtheoryanalysisandfinancialregulation，itfoundthatthereexiststhefinancialregulatoryconstrainteffectonmar

4、ketstructureandmarketbehaviorofChina'sbankingindustry．Accordingtothisanalysis，ourcommercialbankmarketexistssomeproblemsasfollows：first，themarketconcentrationgraduallydecreasedinthepast12years，second，theBigFourstilloccupiedmostmarketshareandfreeentrywasdifficultformanymiddleandsma

5、llsizecommercialbankforourspecialpropertyfight．Besides，differentbanks’productsseemnodifferenttoconsumer,andintermediatebusinesstakeverysmallpartinprofits，Problemsabovemainlycomefromourspecialregulationsystem．Therefore，inordertoestimatewhetherregulationhasallefl’ectonmarketperform

6、ance．wefirstestimatetheparadoxofstructIlIeandperformance，thenfindoutcommercialbank’Seffectivenessusedtodescribemarketperformance．Atlast，introducepropertyvariableinSCPparadigmtransmissionprocess．Theresultsshowthatthereisanegativecorrelationbetweenbankstructureandperformance．”thehi

7、ghermarketshare，thelowerbankefficiency’’inChina’Smarkets加cturevariablesandindicatorsofbanking”S加Jcture-Performance”paradox．simplybecausethelong-termbankingseriousentryregulation，supervisionandmanagementsupervisionofprofit，whichindicatesthepresenceofthedistortingeffectsofthefinanc

8、ialregulatorybankingcompetition．Thenduri