1、6600 英文单词， 3.6 万英文字符 ，中文 10500 字 文献出处： Biekpe N . The Competitiveness of Commercial Banks in GhanaJ. African Development Review, 2011, 23(1):75-87. The Competitiveness of Commercial Banks in Ghana Nicholas Biekpe Abstract The paper empirically investigates the degree of bank competition and intermed
2、iation efficiency in Ghana. The evidence obtained suggests a non-competitive market structure in the Ghanaian banking system, which hampers financial intermediation. The study also finds that Ghanaian banks are monopolistically competitive. It is argued that the structure, as well as the other marke
3、ts characteristics, constitutes an indirect barrier to entry thereby shielding the large profits in the Ghanaian banking system. Further, it is argued that policies that encourage and stimulate greater consolidation in the financial sector would go a long way to enhance competition among banks and i
4、mprove efficiency and profitability. 1. Introduction This paper seeks to examine the nature and extent of competition in Ghanas banking sector from 2000 to 2007 and compares that with earlier study by Buchs and Mathisen (2005) which covers the period from 1998 to 2003. The main essence of the study
5、is to establish whether competition in the Ghanaian banking sector has changed significantly during the study period following the countrys extensive financial sector reforms including the recently introduced Financial Sector Strategic Plan (FINSSIP). The study contributes to policy and existing kno
6、wledge on competition in the Ghanaian banking sector in several ways. Firstly, the competitive nature of banking business in Ghana helps them to strengthen their positions and, in the process, help stabilize the Ghanaian economy. Secondly, the study offers useful lessons to regulators on the kind of regulatory framework and other policy measures required to stimulate efficiency in the operations of financial institutions in the country. In terms of contribution to knowledge and methodologic
