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Market Structure and Bank Management

Author: PengYanRu
Tutor: LinLin
School: Shandong University
Course: Industrial Engineering
Keywords: Industry Structure Bank Risk Bank Performance
CLC: F832.2
Type: Master's thesis
Year: 2011
Downloads: 71
Quote: 0
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Abstract


Since the economy reform and opening in China, the management of Chinese banking industry has changed a lot that banking has gradually become an important part in the market competition and it has played an important role in the process of resources location. The efficiency and risk of commercial banks are relevant to the whole economic system development and stability and financial crises makes the research of banking efficiency and risk more meaningful. With the deepening of China’s reform and opening, the opening extent of the banking sector has expended and the market structure of the banking sector has been changed, with the entering of foreign banks. This paper firstly reviews the papers focused on the bank performance, risk and the effect of foreign banks’ entering on the banking sector of host country, from which we figure out the relationship among the industry structure, bank performance and risk. This literature review has made full preparation for the statistical and empirical analysis. And then we use the latest data to make statistical analysis on the current development of Chinese banking.This paper, on the basis of SCP theory,makes empirical analysis about the effect of market structure change on bank performance and risk and on the effect channel with 175 Chinese banks unbalanced panel data from 2001-2009 from the twin objectives of banking management. We find that the degree of foreign banks entering into Chinese banking is negatively related with the banking market structure and the banking market structure is also negatively related with bank performance and non-performing loan ratio. The change of banking structure has different effects on banks with different assets. What’s more, the change of banking structure provides incentive for banks to carry out the innovative business which improves banking performance and risk. With the deepening of China’s reform and opening, the opening extent of the banking sector has expended and the market structure of the banking sector has been changed, with the entering of foreign banks. This paper firstly reviews the papers focused on the bank performance, risk and the effect of foreign banks’ entering on the banking sector of host country, from which we figure out the relationship among the industry structure, bank performance and risk. This literature review has made full preparation for the statistical and empirical analysis. And then we use the latest data to make statistical analysis on the current development of Chinese banking. On the basis of our analysis, we argue that in order to improve the performance of Chinese banking sector, we should improve the internal governance system of the banks, optimize the ownership structure, which can enhance the ability of banks to bear the risk. Meanwhile, we should improve the law related to banking sector to regulate the competition behaviors and encourage the bank to innovate their products and improve the service quality, which can enhance the competition extent. The authority should enhance their regulation to the competition behaviors of foreign banks. What’s more, Chinese banks should learn the good experience from the foreign banks and improve the performance on the condition of controlling their risk level.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Banking system and business
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