移动互联网、地方银行主营业务与区域空间效应——来自重庆邮政公司的经验证据  

Mobile Internet,Main Businesses of Local Banks and Regional Spacious Effects:Evidence from Chongqing Post Office

作　　者：杨俊杰[1] 王现宁[1] 

机构地区：[1]重庆大学经济与工商管理学院

出　　处：《财经科学》2016年第7期41-51,共11页Finance & Economics

基　　金：国家自然科学基金重点项目"制度环境;公司财务政策选择和动态演化研究"(项目编号:71232004);中央高校基本科研业务重大自主项目(项目编号:CDJSK1001);重庆大学金融实验项目(项目编号:2013JGSYJX005)

摘　　要：本文以我国各省份层面的移动互联网发展水平与重庆邮政公司主营业务绩效及资金流动的月度面板数据为样本,采用偏差修正QML模型进行实证分析,构建出地方银行主营业务绩效区域交互影响的动态空间面板模型。结果表明,研究省域银行主营业务绩效变化情况必须考虑其空间相关性;全国其他区域对重庆邮政公司主营业务的绩效影响存在时间滞后、空间滞后和时空滞后;区域移动互联网发展水平及其空间滞后项对重庆邮政公司主营业务绩效影响存在正向作用,而全国其他区域在重庆邮政公司汇入资金办理规模及其空间滞后项的作用则相反。最后,我们计算出了具体收敛效应、直接效应、间接效应和扩散效应的值。This paper builds the spatial dynamic panel data model to analyze interaction among the performance of main business of Chinese local bank. Set financial agent business of China Post Group Chongqing branch as a sample, and use the month data of development index of mobile internet and the month data of cash flow between the performances of financial agent busi- ness of China Post Group Chongqing branch with Chinese other provinces to estimate parameter with the model of QML. Eventu- ally, we draw the conclusion ： We should take into consideration the spatial relevance when we study performance of main busi- ness of banks between different provinces. And the major factors affect the performance of financial agent business of China Post Group Chongqing branch include time lagged, spatial lagged and time - spatial cross lagged which derived from other provinces influence the performance of financial agent business of China Post Group Chongqing branch. Then the development levels of mobile internet in each province and its spatial lagged variable have positive impacts on the performance of financial agent busi- ness of China Post Group Chongqing branch. On contrary, the scales of cash flow from other provinces and its lagged variable have negative influence. Furthermore, we obtain the convergence effect, direct effect, indirect effect and diffusion effect. On conclusion, our researches are contribute to understand the differences of the performance of main business between regional banks and offer empirical evidence for relevant departments.

关 键 词：移动互联网 地方银行 主营业务 

分 类 号：F618.3[经济管理—产业经济] F832.33