农村银行业结构与中小企业生成——基于中国县域面板数据的经验证据  

Rural Banking Structure and Generation of Small and Medium-size Enterprises——Empirical Evidence Based on China's County Panel Data

作　　者：田杰[1] 刘蓉[1] 刘勇[2] 

机构地区：[1]重庆工商大学财政金融学院,重庆400067 [2]武汉科技大学文法与经济学院,湖北武汉430080

出　　处：《华中农业大学学报（社会科学版）》2014年第2期74-79,共6页Journal of Huazhong Agricultural University(Social Sciences Edition)

基　　金：重庆市社会科学规划博士项目"基于普惠金融视角的我国农村地区电子化金融服务发展研究"(2012BS52);重庆市教委人文社会科学研究项目"我国农村普惠型金融体系构建研究--以信息通信技术为载体"(13SKH11);重庆工商大学博士科研启动经费项目"我国最优农村银行业结构研究"(1355014)

摘　　要：基于新型农村金融机构创新这一重要的研究背景,运用中国2006-2010年1 694个县(市)的面板数据,对农村银行业市场结构与中小企业生成之间的关系进行研究。结果表明:农村银行业集中度的下降有利于中小企业的生成,并且随着农村金融的发展,加速了中小企业的生成。稳健性检验结果也支持了这一结论。为推动中国县域经济的增长,提出了降低农村银行业市场集中度,促进中小企业生成的政策建议。Based on the important research background on innovation ot new rural financial restitu- tions, this paper uses panel data from China＇s 1694 counties （cities） between 2006 and 2010 to empirical- ly study the relationship between rural banking market structure and generation of small and medium- size enterprises. The result shows that decreasing of rural banking concentration is conducive to the for- mation of small and medium-size enterprises. And with the development of rural finance, the decline of rural banking concentration accelerates the formation of small and medium-size enterprises. In order to promote the growth of China＇s county economy, this paper puts forward several corresponding policy suggestions on how to reduce rural banking market concentration and promote the formation of small and medium-size enterprises.

关 键 词：农村金融 农村银行业结构 中小企业生成 县域经济 赫芬达尔指数(HHI) 

分 类 号：F832.6[经济管理—金融学]