摘要
本文采用北京大学数字金融中心编制的数字普惠金融指数,结合2011—2018年中国银行业区域性价格竞争指标,探索了数字金融发展对传统商业银行竞争水平的影响。研究表明,地区数字金融的发展加剧了当地银行之间的竞争。这种影响主要体现为大型国有银行相对市场势力的集中和股份制银行相对市场势力的下降;数字金融的覆盖广度和使用深度对地区银行竞争有显著的促进作用;东部地区与非东部地区之间数字金融发展对银行竞争的促进作用不存在显著差异。此外,本文还发现数字金融的发展具有显著的空间聚集效应,而数字金融的空间溢出效应对银行竞争的影响并不明显。本文结论为相关研究提供了重要补充,对于我国商业银行市场化改革与数字化升级具有一定的启示。
This paper uses the digital financial inclusion index compiled by the Peking University Digital Finance Center,combined with the regional price competition indicators of China's banking industry from 2011 to 2018 to explore the impact of the development of digital finance on the competition level of traditional commercial banks.The results show that the development of regional digital finance has intensified local inter-bank competition,which is mainly reflected in the concentration of relative market power of large stateowned banks and the decline in market power of joint-stock banks,both the coverage and usage depth of digital finance significantly promoted bank competition.There is no significant difference in the role of digital financial development in promoting banking competition between eastern and non-eastern regions.In addition,this article also find that the development of digital finance has a significant spatial agglomeration effect,while the spatial spillover effect of digital finance has no obvious impact on bank competition.The conclusions of this article provide an important supplement to related research and have certain enlightenment for the market reform and digital upgrade of China's banking industry.
作者
袁鲲
曾德涛
YUAN Kun;ZENG Detao
出处
《金融监管研究》
CSSCI
北大核心
2021年第3期64-79,共16页
Financial Regulation Research
基金
国家自然科学基金面上项目(71573056)的资助。
关键词
数字金融
银行竞争
空间效应
数字化升级
Digital Finance
Banking Competition
Spatial Effect
Digital Upgrade
作者简介
袁鲲,经济学博士,教授,广东财经大学金融学院,联系方式:yuankgds@163.com;曾德涛,广东财经大学金融学院,联系方式:18279145080@163.com。
