摘要：This paper aims to approach concentration in the banking industry from two perspectives.Broader analysis shows that capital markets are underdeveloped and that Serbian financial system is bank based.Analysing the concentration from a more narrow perspective,authors concluded that the banking sector in Serbia is characterized as a highly fragmented one,but the reduction in number of banks did not lead to an increase in the concentration of any of the analysed parameters,thus the level of concentration is moderately low.Detail analysis of selected countries was performed as comparative analysis.Unfortunately,it was impossible to make a universal conclusion about whether reducing the number of banks affects positively or negatively the level of concentration.
其他摘要：Ovaj rad ima za cilj da analizira koncentraciju u bankarskom sektoru iz dva ugla.Šira analiza pokazuje da je tržište kapitala nerazvijeno i da je finansijski sistem Srbije zasnovan na bankama.Analizom koncentracije u užem smislu,autori su zaključili da bankarski sektor Srbije karakteriše visok stepen fragmentacije,ali smanjenje broja banaka nije dovelo do povećanja koncentracije bilo kog od analiziranih parametara,tako da je nivo koncentracije umereno nizak.Da bi se izvšila uporedna analiza,istraživani supomenuti fenomeni i kod odabranih zemalja.Nažalost,nije bilo je moguće da se donese univerzalni zaključak o tome da li smanjenje broja banaka utiče pozitivno ili negativno na stepen koncentracije.
关键词：bank concentration;bank-based systems;bank consolidation;Herfindahl-Hirschman Index;Concentration ratio
