商业银行业与区域经济发展的典型相关分析  

Canonical Correlation Analysis of Commercial Banking and Regional Economic Development

作　　者：李平华[1] 晁倩 

机构地区：[1]南京财经大学国际经贸学院 [2]深圳发展银行青岛分行运营部

出　　处：《金融论坛》2011年第7期26-31,共6页Finance Forum

基　　金：教育部人文社会科学研究青年基金项目(09YJC790140);江苏省教育厅哲学社会科学项目(07SJD790009);南京财经大学校级优先项目(B0604)

摘　　要：本文利用全国31个省份有关数据,构建了商业银行与区域经济发展典型相关模型,探寻两者良性互动的内在机制。实证结果表明,两者发展指标具有很强的相关性,出口额、固定资产投资与银行贷款额高度相关,人均收入、人均消费水平、农村人均纯收入与银行总资产、存款额高度相关。结合不同地区的标准得分,本文将我国各地区银行业与区域经济协调发展的相关程度划分为三个水平,发现商业银行与区域经济发展相互促进的省份主要在东部沿海区域,大部分中西部省份商业银行与区域经济发展不相协调或相对落后,在此基础上提出了相应的政策建议。By using related data of 31 provinces in China, the paper develops a canonical correlation model of commercial banking and regional economic development to explore their favorable interaction mechanism. Empirical study indicates that the hoth are strongly correlated. Loans of commercial banks arc highly correlated with export sales and investment in fixed assets; per capita income, per capita consumption and rural per capita net income are highly correlated with total assets of commercial banks and deposit volumes. According to the scores in the model, the degree of correlation between the banking and regional economic development in different regions is classified into three levels. The results reveal that coastal areas have achieved harmonized development between the banking and regional economy, and the banking in most middle and western regions fails to realize coordinated development with regional economy or lag behind the latter. Then the paper proposes corresponding suggestions to change such situation.

关 键 词：商业银行 区域经济发展 信贷分类管理制度 典型相关分析 

分 类 号：F832.2[经济管理—金融学] F127F224