普惠金融与银行风险承担：事实考察与机理分析  

Inclusive Finance and Bank Risk Taking:Factual Investigation and Mechanism Analysis

作　　者：张文菲 金祥义 ZHANG Wen-fei;JIN Xiang-yi(Nankai University,Tianjin 300071,China)

机构地区：[1]南开大学经济学院/国际经济研究所

出　　处：《当代财经》2020年第1期51-64,共14页Contemporary Finance and Economics

基　　金：教育部人文社会科学重点研究基地项目“跨国并购与国际金融市场”(05JJD630025);教育部人文社会科学重点研究基地项目“金融开放战略与中国跨国公司成长研究”(19JJD790003);中央高校基本科研业务费专项资金项目“汇率与金融稳定性研究”(NKZXA1204)

摘　　要：随着我国金融制度改革的逐步推进,加强金融危机管理和银行风险防范是推动金融体制转变的重要攻坚战。通过从普惠金融视角入手,在银行风险承担行为的框架下进行理论研究,发现普惠金融的发展能够显著降低银行承担的风险水平。结合Bank Scope全球银行数据库和普惠金融数据,实证研究发现普惠金融发展对银行承担的风险具有显著的消减作用,且这一作用对不同样本分类存在异质性。同时,普惠金融通过提高银行零售存款占比、降低银行平均付息成本,可以减少银行面临的风险;而治理环境的改善,能够放大普惠金融的风险消减作用,降低银行承担的风险水平。这意味着,出台偏远地区"优存优取"的金融储蓄政策,增强银行对弱势群体的金融服务力度,促进普惠金融的开展,是推动金融市场健康发展的要义所在。Along with the gradual advancement of China's financial system reform,strengthening financial crisis management and bank risk prevention is an important tough battle to promote the transformation of the financial system.From the perspective of inclusive finance,this paper conducts a theoretical study in the framework of banks bearing risks.The findings show that the development of inclusive finance can significantly reduce the risk level of banks.Based on the BankScope global bank database and the inclusive financial data,it is found through the empirical study that the inclusive financial development has a significant reduction effect on bank risk exposure,and this effect is heterogeneous among different sample classifications.Meanwhile,the inclusive finance can reduce the risks that banks are faced with by increasing the proportion of bank retail deposits and lowering the average interest cost of banks,while the improvement of the governance environment can amplify the risk reduction effect of the inclusive finance and reduce the risk level of the banks.This means that the introduction of " prioritized savings and prioritized access" financial savings policies in remote areas can strengthen banks'financial services to disadvantaged groups and promote the development of the inclusive finance,which is essential to the promotion of the healthy development of financial markets.

关 键 词：普惠金融 银行风险承担 银行稳定性 金融风险防范 治理环境 

分 类 号：F832.1[经济管理—金融学]