Abstract

Central banks often use certain concentration indices in their official reports to determine the degree of intensity of competition, of which the most common are the concentration ratio and the Herfindahl-Hirschman index. It is important to emphasize that when calculating the value of these indices, the National Bank of Serbia most often uses the absolute value of assets. In addition to the mentioned indices, the values of the Gini coefficient, Entropy coefficient, Rosenblatt index and graphical representation of the Lorenz curve in the period 2015–2019 are presented in this paper, using the balance sheet position loans and receivables from customers, but not including loans and receivables from banks and other financial organizations. The results of the static and dynamic analysis of concentration indicate that, compared to Montenegro, the banking sector of Serbia is characterized by a larger number of banks, less concentration on the market, and stronger intensity of competition. Although market changes are reflected in a reduced number of banks while a change in the dispersion of market shares affected the change in the market structures of the banking sectors, instability and uncertainty of the analysed sector remained unchanged in the case of both countries.

中文翻译：

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塞尔维亚和黑山银行业竞争力的比较分析

摘要

中央银行经常在官方报告中使用某些集中度指数来确定竞争强度，其中最常见的是集中度比率和赫芬达尔·赫希曼指数。必须强调的是，在计算这些指数的价值时，塞尔维亚国家银行最经常使用资产的绝对价值。除了上述指标外，本文还使用客户的资产负债表头寸和应收账款，列出了2015-2019年期间的基尼系数，熵系数，罗森布拉特指数和洛伦兹曲线的图形表示值，但不包括来自银行和其他金融组织的贷款和应收款项。浓度的静态和动态分析结果表明，与黑山相比，塞尔维亚的银行业的特点是银行数量增多，市场集中度降低以及竞争激烈。尽管市场变化反映在减少的银行数量中，而市场份额分散的变化影响了银行业市场结构的变化，但两国的被分析部门的不稳定性和不确定性均保持不变。