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Panzar and Rosse H-통계 모형으로 살펴본 GCC 은행산업 경쟁 현황 분석

A Review on the Market Competition in the GCC Banking Industry applying the Panzar and Rosse H-statistics Model

양오석
한국이슬람학회 (Korean Association Of The Islamic Studies)|2015.02|한국이슬람학회논총 (Annals of Korean Association of the Islamic Studies)|제25권 제1호|pp. 99-134

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Islamic Banks걸프협력회의이슬람은행GCCCommercial Banks일반상업은행PR H-통계동료집단분석PR H-statisticsPeer Group Analysis
주제분류종교학

초록

This paper examines the level of market competition in theemerging GCC banking industry that is leading the world economy. Inaddition, it explores the growth and competitiveness of the islamic andcommercial banks in the GCC. In doing so, this paper, in practice,employs the PR H-statistics model as well as 11 peer group analysisin identifying the level of market concentration in the GCC bankingindustry. The main finding of this research is that both the islamicbanking industry and the commercial banking industry are competitive. This result corresponds to the Gini index of net income, total asset,operating income to turnover, and market capitalization, which aremeasured by the Lorenz curve tool. As such, the author stronglyrecommends Korean domestic banks to take the simultaneous strategyin employing ‘exploitation’ and ‘exploration’ approaches. The formerconcerns the resource commitment aiming at the increase in banks’profitability in foreign markets. The latter emphasizes the significanceof seeking the potential growth engine for the future beyond thecurrent survival in markets.

Abstract

This paper examines the level of market competition in theemerging GCC banking industry that is leading the world economy. Inaddition, it explores the growth and competitiveness of the islamic andcommercial banks in the GCC. In doing so, this paper, in practice,employs the PR H-statistics model as well as 11 peer group analysisin identifying the level of market concentration in the GCC bankingindustry. The main finding of this research is that both the islamicbanking industry and the commercial banking industry are competitive. This result corresponds to the Gini index of net income, total asset,operating income to turnover, and market capitalization, which aremeasured by the Lorenz curve tool. As such, the author stronglyrecommends Korean domestic banks to take the simultaneous strategyin employing ‘exploitation’ and ‘exploration’ approaches. The formerconcerns the resource commitment aiming at the increase in banks’profitability in foreign markets. The latter emphasizes the significanceof seeking the potential growth engine for the future beyond thecurrent survival in markets.

참고문헌 (46)

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