بررسی تأثیر رقابت در صنعت بانکداری بر ثبات بانک ها

اقتصاد پولی مالی

مقاله 6، دوره 23، شماره 11، آبان 1395، صفحه 123-145   

نوع مقاله: پژوهشی

شناسه دیجیتال (DOI): 10.22067/pm.v23i11.33737

نویسندگان

مجتبی پوستین چی^{* 1}؛ حسن تحصیلی²؛ مصطفی کریم زاده²

¹دانشگاه فردوسی مشهد

²فردوسی مشهد

چکیده

در زمینه تأثیر رقابت در صنعت بانکداری بر ثبات بانک ها دو دیدگاه کلی وجود دارد: دیدگاه رقابت- شکنندگی (تمرکز- ثبات) که رقابت را عامل تشدیدکننده بی‌ثباتی می انگارد و دیدگاه رقابت- ثبات (تمرکز – شکنندگی) که تقویت رقابت را موجب تقویت ثبات می داند. بر همین اساس در این مقاله تلاش می شود صحت هرکدام از دو دیدگاه فوق بررسی شود. به همین منظور با استفاده از مدل داده های تابلویی برای 18 بانک فعال در صنعت بانکداری ایران در تمام دوره 1384-1390 این نتایج به دست آمد. میان رقابت (تمرکز) و ثبات بانک ها ارتباطی منفی (مثبت) و معنادار وجود دارد. از میان سایر متغیرها نیز دارایی بانک ها قوی ترین اثر (مثبت) معنادار را بر ثبات بر جای می گذارد.

کلیدواژه‌ها

رقابت بانکی؛ درجه تمرکز؛ ثبات مالی؛ ثبات بانکی؛ داده های تابلویی

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