中国银行业结构影响因素的实证研究  

An Empirical Study on the Determinants of Chinese Banking Market Structure

作　　者：贺小海[1] 刘修岩[2] 

机构地区：[1]复旦大学管理学院,上海200433 [2]复旦大学中国社会主义经济研究中心,上海200433

出　　处：《财经研究》2008年第5期52-62,共11页Journal of Finance and Economics

摘　　要：文章基于产业经济学和宏观经济学理论,利用样本期为1987-2004年的省级面板数据,对我国银行业结构的影响因素进行了实证研究。结果表明,期初银行业结构、市场规模、市场需求成长率、经济增长、经济结构等因素对我国银行业结构的变迁与调整均有较为显著的不同程度的影响;利用时间虚拟变量加以反映的规模经济水平、产品差异程度、进入壁垒等因素对我国银行业结构变迁与调整的影响不大;经济开放、政府干预等因素对我国银行业结构变迁与调整的影响方向与理论预期相反且不显著。最后,在此基础上我们提出了一些政策建议。Based on the theories of＇ industrial economics and macro-economics, the paper makes an empirical study on the determinants of Chinese banking market structure by employing a panel data ranged from 1987 to 2004. The empirical results show that some factors influence Chinese banking market structure significantly and differently, including initial banking market structure, industrial scale, industry growth, economic growth, economic structure, etc; some factors embodied by the way of setting time dummy variables have weak impact on Chinese banking market structure, such as scale economic level, product differentiation, barriers of entrance, etc; the influences of the other factors such as economic openness and government intervention on Chinese banking market structure are not significantly and not consistent with the anticipation of the theories. Based on the above, we finally put forward some proposals.

关 键 词：银行业结构 银行集中度 面板数据 固定效应估计 

分 类 号：F830.3[经济管理—金融学]