外国银行进入和银行竞争:跨国异质性
1Indiana University South Bend, 1700 Mishawaka Ave., South Bend, IN 46634, USA.
概括
外国银行进入发达国家增加了竞争,但阻碍了发展中国家的竞争. 像资本要求和信用信息共享等法规可以管理这些影响.
科学领域:
- 经济学 经济学 经济学
- 金融经济学 金融经济学
- 国际金融 国际金融
背景情况:
- 全球化增加了外国银行在全球的存在.
- 了解对国内银行业竞争的影响对于经济稳定至关重要.
研究的目的:
- 分析外国银行进入如何影响不同国家类型的银行业竞争.
- 确定调解外国银行存在与竞争之间的关系的因素.
主要方法:
- 从1987年至2015年间,对来自148个国家的数据进行了计量经济学分析.
- 回归分析,以评估外国银行数字对竞争指标的影响.
主要成果:
- 外国银行进入通常会增加竞争,但影响不同:发达国家的积极,发展中国家的负面.
- 严格的资本要求,进入市场的障碍和信用信息共享可以减轻负面影响.
- 有效的监管和外部治理增强了外国银行存在与竞争之间的积极联系.
结论:
- 政策干预是必要的,以利用外国银行进入的好处.
- 建议包括加强资本充足性,改进信用信息系统和加强监管监督.
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