中国银行业市场结构演变的金融稳定效应研究

银行业市场结构模式到底是“集中-稳定”还是“集中-脆弱”观点尚未达成一致,但是通过采用熵值分解指数来刻画我国银行业市场结构可以针对该问题给出较为合理的答案。研究结果表明,我国银行业市场结构的集中程度与风险之间的关系是负相关的,我国较高的银行业市场集中度,某种程度上提高了我国银行业体系的稳定程度。

Research on Financial Stability Effect of Evolution of China's Banking Market Structure

Research has not reached an agreement on whether the structural model of banking market will eventually be "centralized with stability" or "centralized with fragility". However, the entropy index for the decomposition of China''s banking market structure can give a reasonable answer to the problem. The result shows that, the relationship between concentration and the risk of China''s banking market structure is negatively correlated--a higher concentration degree of the banking market will, to some extent, improve the stability of the banking system in china.