...
  • 主题
高级搜索  >
历史搜索 清空历史
首页> 外文期刊>European Journal of Business and Management >Exploring the Conduct of Ethiopian Banks: The Structure- Conduct-Performance Approach
【24h】

Exploring the Conduct of Ethiopian Banks: The Structure- Conduct-Performance Approach

机译：探索埃塞俄比亚银行的行为：结构-行为-绩效方法

获取原文
           
页面导航
  • 摘要
  • 著录项
  • 相似文献
  • 相关主题

摘要

The study uses the views from both bank mangers and regulatory staff to investigate the behavior of banks operating in a concentrated market. As identified in the literature, such variables as bank conduct, has been a neglected topic in the traditional SCP hypothesis. This is due to the claim that bank conduct is a derivative of the industry structure on the one hand and the difficult to quantitatively test the behavior of banks in the system as the proxy variables are not quantitative by nature or else data is not available as they are not represented in the financial records of banks. The study however finds that bank conduct is not necessarily a derivate of the industry structure. Such findings from the qualitative approach witnessed a different behavior of banks than the one suggested in the SCP hypotheses. For instance, given high market concentration, banks in Ethiopia are behaving differently in price competition which remains a less essential parameter to change performances. Service difference has been an important reaction taken by the banks. Banks have been promoting themselves through a mix of approaches and attempted to increase their market share via increasing branch networks. In addition, besides market structure, regulation has been the most important variable affecting banks performance via encouraging homogenous service offerings, similar bank growth strategies and controlling their asset quality positions. Unlike what is claimed in the SCP hypothesis, the qualitative study shows that organic growth, not merger and acquisition, is considered as a dominant strategy that ensure growth in the banking system. Bank risk taking behavior also appears in contrast to the hypotheses as banks behavior towards risk is guided by the development status in the financial market as well as the competition level in alternative markets like foreign banking. The quiet life test result is also unlike the one suggested by the SCP hypotheses as banks are found to be conscious in their expense management decision. The qualitative study also explored additional variables determining bank conduct such as employee retention, top management reputation and quality of relationship with shareholders.
机译：该研究使用银行经理和监管人员的观点来调查在集中市场中经营的银行的行为。如文献中所述，银行行为等变量已成为传统SCP假设中被忽略的话题。这是由于一方面，银行行为是行业结构的衍生，而且由于代理变量本质上不是定量的，或者因为没有可用的数据，所以难以对系统中银行的行为进行定量测试没有在银行的财务记录中显示。但是研究发现，银行行为不一定是行业结构的衍生。从定性方法得出的结论表明，银行的行为与SCP假设中提出的不同。例如，鉴于市场高度集中，埃塞俄比亚的银行在价格竞争中的行为有所不同，而价格竞争仍然是改变绩效的次要参数。服务差异是银行采取的重要反应。银行一直在通过多种方法促进自身发展，并试图通过增加分支机构网络来增加其市场份额。此外，除了市场结构外，监管也是通过鼓励同类服务提供，类似的银行增长策略以及控制其资产质量状况来影响银行业绩的最重要变量。与SCP假设所主张的不同，定性研究表明，有机增长而非并购是确保银行体系增长的主要策略。银行承担风险的行为也与假设相反，因为银行对风险的行为受金融市场的发展状况以及外国银行等替代市场竞争水平的指导。安静生活测试的结果也不同于SCP假设所建议的结果，因为发现银行对他们的费用管理决策有意识。定性研究还探讨了决定银行行为的其他变量，例如员工保留率，最高管理者声誉和与股东的关系质量。

著录项

相似文献

  • 外文文献
  • 中文文献
  • 专利
获取原文

客服邮箱：kefu@zhangqiaokeyan.com

京公网安备：11010802029741号 ICP备案号：京ICP备15016152号-6 六维联合信息科技 (北京) 有限公司©版权所有

  • 客服微信

  • 服务号