Earticle

초록

영어

This study analyzed the relationship between productivity change and market power in 12 commercial banks in 2010-2017. We analyzed the change in productivity and divided it into efficiency change and technology change, and analyzed how productivity, efficiency and technology change are related to market power, and analyzed the relationship with determinants. The results can be summarized as follows. First, there was a positive relationship between productivity change and market power. In other words, productivity decreases as market power decreases. According to the additional analysis of these causes, the relationship between efficiency change and market power has a negative relationship, but the relationship between technology change and market power has a positive relationship. In the case of efficiency change, it was analyzed similarly to the existing research results. As market dominance weakens, competition intensifies, improving the inefficiency of individual banks. In the case of technological change, the lower market power means a negative effect on technological progress, which is the opposite of the change in efficiency. This may mean that if the competition in the existing market is fierce, we can focus on the short-term results rather than investing in long-term technological developments and advancements such as IT and financial systems. Taken together, the entry into foreign capital banks can increase the efficiency of China's banking industry by improving inefficiency, but it can mean that productivity is reduced by declining technological changes. Second, the capital asset ratio (CAR) used as an indicator of capital stability was positively related to efficiency change and negatively related to technological change. Increasing CAR seems to have a positive effect on efficiency improvement, but has a negative impact on technological progress, indicating that an appropriate level of indicator management is needed. Third, ownership structure has a positive effect on technological change. This may indicate that state-owned commercial banks can invest in technology development and development rather than competition. On the other hand, it has a negative effect on the efficiency change, which may mean that the state-owned commercial bank is useful for technological change but internal inefficiency may occur.

목차

Ⅰ. 서론
Ⅱ. 이론적 배경
Ⅲ. 연구 방법
Ⅳ. 분석 결과
Ⅴ. 결론
참고문헌
Abstract

키워드

저자

• 김용덕 [ Yong-Deok Kim | 기술보증기금 연구위원 ] 제1저자
• 조재민 [ Jaemin Cho | 울산대학교 경영학부 조교수 ] 교신저자

참고문헌

발행기관

간행물

표지보기 관심저널 등록

• 간행물명

  생산성연구: 국제융합학술지 [Productivity Research: An International Interdisciplinary Journal]

• 간기

  격월간

• pISSN

  1225-3553

• 수록기간

  1987~2025

• 등재여부

  KCI 등재

• 십진분류

  KDC 325 DDC 330