摘要
本文从地方金融机构改革实践出发,利用城市非平衡面板数据和小微企业数据,估计城商行设立对地方就业的影响。研究表明:城商行设立有助于促进地方就业规模扩张,对三次产业划分的就业结构影响存在差异;城商行通过影响区域经济增长、改善信贷资源配置状况以及服务于小微企业等渠道引致就业需求增加,并对第二产业内采矿业、制造业以及第三产业内生产性服务业就业结构产生异质性影响;此外,基于小微企业数据库的实证研究发现,城商行有助于改善小微企业的信贷资源获取能力和企业经营绩效,从而有助于提高小微企业就业吸纳能力。
Based on the reform practice of local financial institutions,this paper uses the urban unbalanced panel data and the data of small and micro enterprises to estimate the impacts of the establishment of city commercial banks on local employment.The results of the paper show that the establishment of city commercial banks is conducive to the expansion of local employment scale,and its impact on the employment structure varies among the three industries;the city commercial banks increases the employment demand by affecting regional economic growth,improving the allocation of credit resources,and serving small and micro enterprises,and have heterogeneous impacts on the employment structure of the secondary industry such as mining and manufacture,and the tertiary industry,i.e.the productive service industry;in addition,the empirical research based on the database of small and micro enterprises shows that the city commercial banks are conducive to credit resources obtaining and the business performance of small and micro enterprises,which helps improve the employment absorption capacity of the enterprises.
出处
《金融论坛》
CSSCI
北大核心
2020年第2期68-80,共13页
Finance Forum
基金
中央财经大学2019年度博士生重点选题支持计划项目“资本配置扭曲成因与效率损失研究”.
关键词
城市商业银行
地方就业
就业规模
就业结构
双重差分
city commercial bank
local employment
employment scale
employment structure
difference in difference
作者简介
韩瑞栋,中央财经大学经济学院博士生(北京,102206),E-mail:yalonely@163.com。
