银行业结构对地区经济发展的影响——基于新结构金融学的理论与实证检验被引量：4

The Influence of Banking Structure on Regional Economic Development:An Empirical Study Based on the Theory of New Structural Finance

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摘要中国在整体上鼓励中小银行发展的同时,各地区应根据自身要素禀赋结构和产业结构选择最适合当地经济发展的银行业结构。在新结构经济学的新结构金融学理论基础上,通过理论推演并结合中国目前的要素禀赋结构和产业结构现状,选取2007年至2016年省际面板数据,以总体面板回归、分样本面板回归和面板门限回归,实证检验了中国银行业结构与整体经济发展之间的线性关系,以及不同经济发展阶段下,各地区银行业结构与经济发展之间的非线性关系。实证发现,中小银行在银行业结构中占比提高对中国目前整体经济发展具有显著的促进作用;从门限回归看,中小银行在银行业结构中占比提高对地区经济发展的促进作用会随地区经济发展阶段的提高而显著下降。 As China encourages the development of small and medium banks as a whole,all regions should select the most suitable banking structure for their economic development in accordance with their factor endowment and industrial structure.Under the guidance of the New Structural Finance theory of the New Structural Economics,this paper selects provincial panel data from 2007 to 2016 and adopts the methods like overall panel regression,sub-sample panel regression and panel threshold regression to conduct the empirical tests of the linear relationship between Chinese banking structure and overall economic development,as well as the non-linear relationship between the banking structure and economic development of various regions in different development stages through theoretical deduction.It also refers to the current factor endowment and industrial structure.The empirical tests find that the increase of the proportion of small and medium banks in the banking structure plays a significant role in China’s current comprehensive economic development;and in terms of threshold regression,this positive effect will greatly decrease with the advancement of the regional economic development stages.

作者颜建晔吴俊贤康健 YAN Jian-ye;WU Jun-xian;KANG Jian(Institute of New Structural Economics,Peking University,Beijing 100871;School of Banking and Finance,University of International Business and Economics,Beijing 100029;School of Economics,Peking University,Beijing 100871,China)

机构地区北京大学新结构经济学研究院对外经济贸易大学金融学院北京大学经济学院

出处《兰州大学学报（社会科学版）》 CSSCI 北大核心 2021年第1期68-80,共13页 Journal of Lanzhou University（Social Sciences）

基金国家社会科学基金一般项目(20BJL021)

关键词要素禀赋产业结构银行业结构新结构经济学新结构金融学 factor endowment industrial structure banking structure New Structural Economics New Structural Finance

分类号 F832.3 [经济管理—金融学] F127 [经济管理—世界经济]

作者简介颜建晔(1980-),男,江苏南京人,博士,副教授,从事新结构经济学、银行经济学研究。