نوع مقاله : پژوهشی
نویسندگان
دانشگاه رازی
چکیده
رابطه بین کارایی هزینه و رقابت در صنعت بانکی به دلیل اهمیت بالای کارایی هزینه بانک‌ها در رشد اقتصادی همواره یکی از دغدغه‌های اصلی سیاستگذاران است. مطالعه حاضر با استفاده از داده‌های 18 بانک خصوصی و دولتی برای دوره زمانی 1385 تا 1393 به بررسی رابطه بین کارایی هزینه و رقابت در صنعت بانکداری ایران می‌پردازد؛ به همین دلیل از تابع هزینه ترانسلوگ برای برآورد کارایی هزینه بانک‌ها و از شاخص بون برای برآورد رقابت استفاده می‌شود. نتایج حاصل از علیت گرنجری نشان می‌دهد که علیت دو طرفه بین کارایی و رقابت در صنعت بانکداری وجود دارد، و همچنین نتایج حاصل از برآورد مدل به روش گشتاورهای تعمیم یافته نشان می‌دهد که افزایش رقابت باعث افزایش عدم کارایی و افزایش کارایی باعث کاهش رقابت بین بانک‌ها می‌شود؛ بنابراین نظارت دقیق بانک مرکزی بر ورود بانک‌های جدید برای بهبود کارایی نظام بانکی و عملکرد آن‌ها در زمینه اعتبارات و نرخ بهره سپرده امری لازم و ضروری است.
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