基于Boone指数的中国银行业贷款市场竞争度估计

被引:6
作者
李国栋
机构
[1] 上海海事大学经济管理学院
关键词
Boone指数; 银行贷款; 市场竞争; 投资刺激;
D O I
10.13653/j.cnki.jqte.2015.05.009
中图分类号
F832.4 [信贷];
学科分类号
1201 ; 020204 ;
摘要
基于商业银行1999~2012年的面板数据,通过Boone指数揭示中国银行业贷款市场的竞争度及其变化轨迹。研究发现:银行贷款市场的平均Boone指数为-0.433,竞争度不高;虽市场集中度不断下降,但2009年后竞争度发生显著下降;"4万亿"投资刺激计划导致效率较低的国有银行增发更多贷款,是竞争度下降的主要原因。因此,宏观经济政策的制定应注意减少对银行信贷决策的干扰以促进贷款市场的充分竞争。
引用
收藏
页码:131 / 146
页数:16
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