CAJ | 학술논문

在构建金融自由化指数和Lerner指数的基础上,本文利用PSTR模型,探讨银行业集中与竞争的关系问题。实证结果表明：金融业开放程度是影响两者关系的关键因素。当金融业开放程度较低时,银业行集中度的降低可以促进竞争;当金融自由化水平超过临界值时,通过降低银行业集中度来促进竞争这一渠道基本不存在或者已经很弱。本文的政策含义是：相对集中的银行业产业组织体系将更有利于促进竞争,不应盲目新建过多中小银行,重点在于将现有中小银行做大做强。
재구건금융자유화지수화Lerner지수적기출상,본문이용PSTR모형,탐토은행업집중여경쟁적관계문제。실증결과표명：금융업개방정도시영향량자관계적관건인소。당금융업개방정도교저시,은업행집중도적강저가이촉진경쟁;당금융자유화수평초과림계치시,통과강저은행업집중도래촉진경쟁저일거도기본불존재혹자이경흔약。본문적정책함의시：상대집중적은행업산업조직체계장경유리우촉진경쟁,불응맹목신건과다중소은행,중점재우장현유중소은행주대주강。
Based on setting up financial liberalization index and Lerner index, we uses PSTR model to discuss the relationship between concentration and competition of banking. The empirical results suggest that： the level of the openness of financial industry could be the critical factor influencing their relationship. With low level of the openness, the decrease in the concentration of banking can promote competition. When the level of financial liberalization exceeds the critical value, there is no or slight possibility to promote competition cessive middle and small banks blindly, and that the key task at present is to make the existing middle and small banks to be bigger and stronger.