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Analysis of the Relationship between Chinese Banking Competition and Risk-taking an Empirical Study Based PR Model

机译:中国银行业竞争与风险关系的分析与基于实证研究的PR模型

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In this paper, the main research perspective is the relationship between Chinese banking competition and risk-taking, and use of non-structural method of PR models to analysis China 14 banks from 1997 to 2008 data samples to explore the degree of banking market competition empirical analysis and the relationship between banking competition and the risk. The results show that: the state of China's banking industry is monopolistic competition; there is a significant relationship between banking competition and risk-taking, and the degree of competition in the banking sector and the banks' bad loans showed a positive correlation between the proportion; it is different that the impact of exposure levels of degree of competition in the banking sector on the individual bank, and banking competition will lead to state-owned banks (large banks) to take greater risks. Therefore, the article suggested the bank should further promote the reform of the good market access barrier, improve the effectiveness of banking supervision.
机译:在本文中,主要研究视角是中国银行业竞争与风险的关系,以及使用非结构方法的公关模型,从1997年到2008年的数据样本分析中国14个银行,以探索银行市场竞争的程度实证分析与银行竞争与风险的关系。结果表明:中国银行业的国家是垄断竞争;银行竞争与风险之间存在重大关系,银行业的竞争程度和银行的贷款贷款的比例与比例之间存在正相关;与个人银行银行业的竞争程度的影响以及银行业竞争的影响是不同的,将导致国有银行(大银行)采取更大的风险。因此,文章建议银行应进一步推动良好的市场准入障碍改革,提高银行监管的有效性。

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