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在一国银行体系开放过程中,诸多新进者的加入对在位银行的市场势力形成了挑战,市场竞争结构由此改变并打破原有的均衡状态。个体银行的风险行为在此过程中也将发生变化。既有文献大多认为准入限制放松会导致个体银行倾向于更冒风险。本文针对中国银行市场所进行的实证研究证明了这一结论,并进一步分析了在市场开放进程中,利润水平、收入结构和筛选成本三个竞争敏感因素对个体银行风险行为的影响。
During the process of opening a banking system in one country, the entry of many new entrants challenged the market power of the incumbent banks, thus changing the market competition structure and breaking the original equilibrium. The risk behavior of individual banks will also change in the process. Most of the existing literature considers that relaxation of access restrictions will tend to make individual banks more risky. The empirical research on the market of Bank of China proves this conclusion and further analyzes the influence of three competitive sensitive factors such as profit level, income structure and screening cost on individual bank risk behavior in the process of market opening.