软科学
軟科學
연과학
Soft Science
2012年
6期
105~110
,共null页
银行共同贷款网络 复杂网络 长期银行借款
銀行共同貸款網絡 複雜網絡 長期銀行藉款
은행공동대관망락 복잡망락 장기은행차관
co - financing bank network ; complex network ; commercial bank competition
以上市公司的长期银行借款为基本关系,构建银行共同贷款网络,运用复杂网络理论,对比研究了2000年和2009年的网络特征,发现:①非国有大型商业银行首先是争夺国有大型商业银行的市场,而不是自身的相互争夺;②全国股份制商业银行,虽然在上世纪90年代已相继成立,但业务开展并不好,但在样本期间,业务发展相当迅速,形成仅次于国有大型商业银行的中心节点,与国有大型银行共同形成银行系统的核心集团;③虽然国有大型商业银行仍是整个银行系统的中心,但中心地位已有所下降,对整个银行系统的影响力也显著下降,且各国有大型商业银行的影响力已趋于一致,专业性界限已非常模糊;④银行间,特别是居于核心集团的银行之间的共同客户越来越多,银行间接触更加频繁,这不仅是银行间竞争的加剧,同时银行间信息的分享和风险的分担都加强了。
以上市公司的長期銀行藉款為基本關繫,構建銀行共同貸款網絡,運用複雜網絡理論,對比研究瞭2000年和2009年的網絡特徵,髮現:①非國有大型商業銀行首先是爭奪國有大型商業銀行的市場,而不是自身的相互爭奪;②全國股份製商業銀行,雖然在上世紀90年代已相繼成立,但業務開展併不好,但在樣本期間,業務髮展相噹迅速,形成僅次于國有大型商業銀行的中心節點,與國有大型銀行共同形成銀行繫統的覈心集糰;③雖然國有大型商業銀行仍是整箇銀行繫統的中心,但中心地位已有所下降,對整箇銀行繫統的影響力也顯著下降,且各國有大型商業銀行的影響力已趨于一緻,專業性界限已非常模糊;④銀行間,特彆是居于覈心集糰的銀行之間的共同客戶越來越多,銀行間接觸更加頻繁,這不僅是銀行間競爭的加劇,同時銀行間信息的分享和風險的分擔都加彊瞭。
이상시공사적장기은행차관위기본관계,구건은행공동대관망락,운용복잡망락이론,대비연구료2000년화2009년적망락특정,발현:①비국유대형상업은행수선시쟁탈국유대형상업은행적시장,이불시자신적상호쟁탈;②전국고빈제상업은행,수연재상세기90년대이상계성립,단업무개전병불호,단재양본기간,업무발전상당신속,형성부차우국유대형상업은행적중심절점,여국유대형은행공동형성은행계통적핵심집단;③수연국유대형상업은행잉시정개은행계통적중심,단중심지위이유소하강,대정개은행계통적영향력야현저하강,차각국유대형상업은행적영향력이추우일치,전업성계한이비상모호;④은행간,특별시거우핵심집단적은행지간적공동객호월래월다,은행간접촉경가빈번,저불부시은행간경쟁적가극,동시은행간신식적분향화풍험적분담도가강료。
Taking the long - term bank loans of China' s listed companies as the basic relationship to build the co - finan- cing bank network, network characteristics are comparative studied in 2000 and 2009 based on complex network theory. It is found that : ( 1 ) large non - state - owned commercial banks compete for large state - owned commercial banks in the mar- ket, rather than compete with their own ; ( 2 ) the national shareholding commercial banks have been established in the 1990s,but the development of their business is not pretty good;however, during the sample period, the business developed rapidly and have been the central nodes after large state - owned commercial banks, all of which form the core of the banking system; ( 3 ) although the large state - owned commercial banks are still the center of the entire banking system, their center position has declined, and their influence on the entire banking system is also significantly decreased;moreover, the influence of large state- owned commercial banks have been consistent, and the professional boundaries are very blurred;( 4 ) more common clients of the inter -bank, especially the banks in the core group, have more attachments, which intensifies the com- petition between banks while the information sharing and risk - sharing are enhanced.