人口老龄化与银行储蓄存款——基于城市商业银行的实证研究  

Aging Population and Banks' Saving Deposits:Evidence from China's City Commercial Banks

作　　者：钱先航[1] 王可[1] 

机构地区：[1]山东大学经济学院

出　　处：《金融评论》2017年第6期33-46,共14页Chinese Review of Financial Studies

基　　金："泰山学者"专项工程经费资助;国家自然科学基金项目(项目编号:71302088);山东大学青年学者未来计划(项目编号:2015WLJH13)的部分研究成果

摘　　要：本文从需求角度提供了人口老龄化影响储蓄存款的经验证据。以我国城市商业银行为样本,本文检验了人口老龄化对银行储蓄存款的作用,继而考察金融市场化、银行资本充足率以及跨区域经营对这一关系的作用。结果表明,人口老龄化越严重的城市,当地城商行吸收的储蓄存款越少,并且这种效应只体现在长期储蓄存款上。进一步的分析表明,银行所在地区金融市场化程度的提高、银行资本充足率的增加以及跨区域经营均会弱化人口老龄化对银行储蓄存款的负向作用。本文的结论对于理解人口老龄化的经济后果以及银行如何应对这一趋势具有一定的参考意义。This paper provides empirical evidence of the impact of aging population on saving deposits from the perspective of demand side. Using the sample of the City Commercial Banks( CCB),it examines the influence of aging population on banks' saving deposits,and further investigates the role of financial liberalization,bank capital adequacy ratio and cross-region development in this relationship. The results indicate that the larger a city's aging population,the less its CCB's saving deposits taking,and this effect only exists in the long-term saving deposits. The further analysis indicate that the improvement of regionalfinancial liberalization and banks' capital adequacy ratio,and the cross-region operation of banks can significantly weaken the effect of aging population on banks' saving deposits.

关 键 词：人口老龄化 储蓄存款 城市商业银行 

分 类 号：C924.24[社会学—人口学] F832.22