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利率市场化改革深刻影响我国各地区银行业的市场竞争。本文采用PR模型创新性地从地区层面测算了银行业市场竞争度。结果表明,各地区的银行业市场都呈现垄断竞争格局,且全国性股份制商业银行之间的竞争度要高于各地区的银行业竞争度。在此基础上,实证检验了利率市场化改革、银行业集中度和银行数量等因素对各地区银行业竞争度的影响,并提出了银行业改革的对策建议。
The marketization of interest rate reform has profoundly affected the market competition in banking in various regions of China. This paper uses the PR model to innovatively measure the degree of competition in the banking market from a regional perspective. The results show that the banking market in all regions presents a monopolistic competition pattern, and the competition degree among the national joint-stock commercial banks is higher than the banking competition degree in all regions. On this basis, the paper tests the impact of market-based interest rate reform, banking concentration and number of banks on the competitiveness of the banking sector in various regions, and puts forward countermeasures and suggestions on banking reform.