ABSTRACT

This study investigates the impact of bank competition and regulation on bank efficiency in the Asia-Pacific region during 2001–2016. The result reveals that market power is positively related to bank efficiency. We also find that stringent activity restrictions, strong official supervisory power, and low capital requirements are associated with high bank efficiency. Furthermore, market power has a stronger efficiency-increasing effect in a banking system characterized by the activity restrictions, supervisory power, and capital requirements described above. Foreign banks operating under increased activity restrictions in a host country with strong official supervisory power have relatively high efficiency.

摘要

本研究调查了 2001-2016 年亚太地区银行竞争和监管对银行效率的影响。结果表明，市场力量与银行效率正相关。我们还发现，严格的活动限制、强大的官方监管权力和低资本要求与高银行效率相关。此外，在以上述活动限制、监管权和资本要求为特征的银行体系中，市场力量具有更强的增效作用。在具有强大官方监管能力的东道国，在活动限制增加的情况下经营的外国银行效率相对较高。