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本文基于Panzar-Rosse范式并在此基础上结合我国情况予以改进和修正,采用1995~2010年间我国14家商业银行的数据建立Panel data模型,对我国银行业市场竞争结构进行测度。结果表明,我国股份制商业银行的竞争程度要大于四大国有商业银行且竞争程度较强,带有显著的完全竞争特征。从整体上看,我国银行业的竞争程度在1998年之后呈现上升趋势。
Based on the Panzar-Rosse paradigm and based on this, the paper improves and corrects the situation in our country. Using the data of 14 commercial banks in our country from 1995 to 2010, a panel data model is established to measure the competition structure of China’s banking market. The results show that the competition degree of joint-stock commercial banks in our country is greater than that of the four big state-owned commercial banks and the degree of competition is strong, with the characteristics of perfect competition. As a whole, the degree of competition in China’s banking sector shows an upward trend after 1998.