本文主要讲述的是有效结构假说，Yoshiro等(2005)发现日本商业银行的有效结构假设成立。他们使用了1974年到2001年日本所有主要商业银行的数据。相反，Mensi和Zouari(2010)得出结论，有效结构假说并不适用于突尼斯银行系统。他们通过X-efficiency, Allocative Efficiency, Scale Efficiency等几种效率方法来验证他们的模型。同样的研究也否定了SCP假说。Jeon and Miller(2005)认为有效结构假说对美国银行体系也不成立，但市场力量假说成立。本篇英国传播学论文代写文章由英国论文通AssignmentPass辅导网整理，供大家参考阅读。
Yoshiro et al (2005) found that the efficient structure hypothesis holds for the Japanese commercial banks. They used the data for 1974 to 2001 for all the major commercial banks in Japan. On the contrary, Mensi and Zouari (2010) arrived at the conclusion that the efficient structure hypothesis does not hold true for the Tunisian banking system. They validate their models through several approaches of efficiencies like X-efficiency, Allocative Efficiency, and Scale Efficiency etc. The same study also rejects the SCP hypothesis. Jeon and Miller (2005) determined that efficient structure hypothesis does not hold for the US banking system as well but the hypothesis of market power holds true.
Smirlock (1985) however pointed that efficient structure hypothesis holds true for the unit state banks which he analyses in his paper. He found that market share, if well accounted for in the data, makes the presence of market concentration of the banks as an independent variable useless. However, market share as an independent variable explains the profitability of the banks relatively well. Goldberg and Rai (1996) however showed that there is no statistically significant relation between market concentration and profitability of the bank. In their model, they apply a more robust method of efficiency as opposed to the older studies which did not specifically and directly use measures of efficiency in their models.
There are several other determinants of bank profitability which act as control variables in the analysis. The inflation in the economy was considered as one of the control variables to have positive effect on profitability of the bank (Athanasoglou, Brissimis, & Delis, 2008). Anbar & Alper (2011) use GDP as one of the control variables in their analysis of the commercial banks in the Turkish Financial system. Hester & Zoellner (1966) find that liabilities such as deposits adversely affect the profitability of the banks.
Thus, there is ample evidence that the traditional hypotheses sometimes are validated and sometimes are not. This study aims to validate the relationship or non-relationship of market share and market concentration on the profitability of the banks. The profitability of the banks is measured through return on assets and return on equity. Both these equations are used on a given set of independent variables derived through appropriate literature review and the models are developed with them.
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