台灣地區銀行業市場結構之差異比較

A comparison of the difference of banking market structure in Taiwan.

余欣瑋(Hsin-Wei Yu)

指導教授 ： 賈昭南

淡江大學/商學院/國際貿易學系國際企業學碩士班/碩士(2006年)

https://doi.org/10.6846/TKU.2006.00696

摘要

本論文主要利用Bresnahan(1982)加碼檢定法估計台灣地區本國銀行及外商銀行的市場力。研究期間為民國八十九年一月至九十四年十二月月資料進行實證研究，估計的參數為價格加碼的部分。研究結果顯示，外商銀行的不完全競爭程度高於本國銀行。當本國銀行進一步分為公營與民營銀行，其估計結果顯示，兩者間的市場結構趨向完全競爭。

關鍵字

市場結構 ； 價格加碼檢定法 ； 辨別問題 ； Panel資料分析法

並列摘要

This thesis applies the technique suggested by Bresnahan(1982) to estimate the market power of the domestic banks and foreign banks operated in Taiwan area. Using monthly data covering the period of 2000 and 2005, the estimated parameter representing the price markup have shown that the foreign banks is operated within a imperfect competitive market than those of the domestic banks. When the domestic banks are separated further more into the public owned and private owned, the pooled estimates remain the same.

並列關鍵字

Market Structure ； Price Mark-up ； Identification Problem ； Panel Data.

參考文獻

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Berger, Allen N., Gerald A. Hanweck, and David B. Humphrey, (1987). “Competitive Viability in Banking: Scale, Scope and Product Mix Economies,” Journal of Monetary Economics, vol.20, pp.501-20.

Bresnahan, Timothy F., (1982). “The Oligopoly Solution Concept is Identified,” Economics Letters, vol.10, pp.87-92.

Gilbert, R. Alton, (1984). “Bank Market Structurs of Competition: A Survey,” Journal of Money, Credit and Banking, vol.16, pp.617-45.

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