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The Effects of Consolidation in the Korean Banking Industry on the Loan Market
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논문 기본 정보

Type
Academic journal
Author
Journal
한국질서경제학회 질서경제저널 질서경제저널 제22권 제3호 KCI Accredited Journals
Published
2019.1
Pages
23 - 37 (15page)

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The Effects of Consolidation in the Korean Banking Industry on the Loan Market
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Abstract· Keywords

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본 연구는 국내 은행산업의 시장집중도 상승이 대출시장에 미친 영향을 대출금리와 대출액의 반응을 통하여 어떻게 나타났는지 정치·경제학적으로 분석한다. 2001년부터 2016년의 동안 13개 국내은행의 데이터를 이용하여 합병으로 인한 국내 대형화를 통해 정부(금융당국)의 국내은행의 (대출금리와 대출액에 대한) 통제를 보다 용이하게 함을 패널분석을 한다. 실증분석 결과, 국내은행산업의 시장집중도 상승에도 불구하고 대출금리는 하락하는 한편 대출액은 증가하는 것으로 나타났다. 이는 은행의 합병으로 대형화된 은행이 보다 효율성을 구축하여 규모의 경제 효과를 보인 것으로, 시장-구조-성과 가설보다 효율성 가설이 보다 우위에 있음을 보여준다. 또한 국내 은행의 대출에 대한 정부의 영향력이 나타났음을 보여준다. 본 논문은 국내 은행산업에서는 독과점에 따른 경쟁도 약화를 우려하기보다는 정부개입으로 인한 금융시장의 왜곡에 대한 제도적 장치가 필요함을 시사하고 있다.
#은행 #합병 #집중도 #패널

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References (18)

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Alley, W. A. / 1993 / Collusion versus efficiency in the Japanese regional banking industry / Economic Studies Quarterly 44(3):206~215 google schola An, J. / 2007 / Political influence and the banking sector / Oxford Bulletin of Economics and Statistics 69(1):75~98 google schola Demsetz, H. / 1973 / The profit-structure in banking-tests of market power and efficientstructure hypothesis / Journal of Law and Economics 16(1):1~9 google schola Dinç, I. S. / 2005 / Politicians and banks: Political influences on government-owned banks in emerging markets / Journal of Financial Economics 77:453~479 google schola Edward, F. R. / 1964 / Concentration in banking and its effect on business loans / Review of Economics and Statistics 46:294~300 google schola

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