Konkurencijos pokyčių Lietuvos bankų sistemoje vertinimas integruojantis į ES

LTStraipsnyje nagrinėjami konkurencijos bankų sistemoje ypatumai ir pokyčiai, akcentuojami specifiniai konkurencijos bankų sistemoje bruožai, bankinių rinkų struktūra, visuomenės gerovės maksimizavimo problemos netobulos konkurencijos rinkoje. Nagrinėjama pasaulyje vykstančių procesų įtaka bankų veiklai, bankų veiklos sąlygų kitimas globalios ekonomikos kontekste. Analizuojami ir vertinami konkurencijos Lietuvos bankų sistemoje pokyčiai 1989-2000 m. laikotarpiu, atsižvelgiant į atskirų Lietuvos komercinių bankų kūrimąsi, plėtrą, veiklos sutrikimus, pagrindinius žalyje vykusius politinius, ekonominius bei visuomeninius procesus, įvertinami finansų rinkos pokyčiai, nustatomi konkurencijos pokyčių etapai. [Iš leidinio]Reikšminiai žodžiai: Konkurencija; Bankų sistema; Pereinamojo laikotarpio ekonomika; Competition; Banking system; Transitional economy.

ENHighly economically developed countries have stable and reliable financial systems that have been organized for decades or even centuries. Lithuanian banking system is relatively young though it has experienced few quite important periods of its evolution determined by changed competition conditions in the market. Banks in Lithuania are facing the challenges of the single market recently and this implies that analysis of competition changes in Lithuanian banking system and establishment of competition opportunities in European Union should be considered as one of the most important factors assuring fluent integration to the single market. Development of Lithuanian banking system in competition aspect has not been investigated in scientific literature up to now. The article aims to describe the peculiarities of competition in banking and to analyze and evaluate the competition changes in Lithuanian banking system during the period from 1989 to 2000. The banking sector is subject of continuous change. Banks are taking up new types of business in order to diversify their risk, they increasingly operate outside their home country or merge with former competitors in order to increase their capital and market power. New information technology, institutional deregulation, changes of the demand in financial services, and the introduction of the Euro mainly stipulate these developments. Traditionally banking markets have a tendency to become concentrated and are of oligopoly nature. Their market power when regulated by competitive bodies prevails from too high concentration that could be detrimental for the total welfare.After the analysis of the Lithuanian banking system development during the period from 1989 to 2000, five stages of competition changes are determined. The Lithuanian banking system was experiencing rapid transformation period, starting from uncompetitive and unregulated establishment of banking units followed by banking crisis, and step by step moving towards creation of stable and reliable financial system. [From the publication]