Uticaj tržišne koncentracije na konkurentnost bankarskog sektora u Srbiji
Sažetak
Nivo koncentracije je dokaz razvoja i tendencija na posmatranom tržištu koji određuje postojanje konkurentnosti i da li ima fer tržišne utakmice među učesnicima. Cilj ovog rada je da utvrdi uticaj koncentracije u bankarskom sektoru Republike Srbije na nivo konkurentnosti bankarskog sektora. Za te potrebe koristiće se racia koncentracije za četiri i pet najvećih banaka (Cr4 i Cr5) i Herfindal-Hiršmanov indeks (HH indeks) za vremenski period od 2018. do trećeg kvartala 2020. godine za sledeće bilansne pozicije banaka: aktiva, odobreni krediti i prikupljeni depoziti. Dokazano je da je bankarsko tržište umereno koncentrisano u skladu sa Cr5 i nisko koncentrisano u skladu sa Cr4 i HHI u svim posmatranim kategorijama. Empirijsko istraživanje pokazuje da postoji konkuretnost među bankama u Srbiji (labavi oligopol) koja zavisi od nivoa koncentracije.
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