银行准入放开推动产业供给侧结构性改革的路径——基于中国地级市微观数据的研究  

The Path to Promote Industrial Supply-side Structural Reform by Opening Access to Banks--Research Based on Panel Data of Prefecture-level Cities in China

作　　者：周凡 ZHOU Fan(Finance Department,China Women's University,Beijing 100101,China)

机构地区：[1]中华女子学院金融系,北京100101

出　　处：《财经论丛》2020年第6期40-50,共11页Collected Essays on Finance and Economics

摘　　要：基于中国地级市微观数据,采用双重差分模型研究银行准入放开对产业供给侧结构性改革的影响及机制。结果表明:银行准入放开促进了供给侧结构性改革。进一步地,银行准入放开降低银行集中度,增加银行市场竞争,促进技术创新水平的增加;而随着技术创新水平的增加,部门间产品的相对价格会因技术进步增长率的差异而发生改变,故而从供给端推动产业结构转型与升级。研究表明银行市场化改革能够通过促进技术创新推动产业供给侧结构性改革,这对于中国的经济转型具有启示意义。Based on the micro-panel data of prefecture-level cities in China,this paper uses difference-in-differences model to study the impact of bank access opening on the structural reform of the industrial supply-side and its mechanism.The results show that bank access opening promotes the structural reform of the supply side.Furthermore,bank access opening reduces bank concentration,increases competition in the banking market,and promotes technological innovation.With the increase of technological innovation,the relative prices of interdepartmental products will change because of the difference in the growth rate of technological progress,thus promoting the transformation of the industrial structure from the supply side.The research shows that the market-oriented banking reform can promote the industrial supply-side structural reform by promoting technological innovation,which has enlightenment significance for China s current economic transformation.

关 键 词：银行准入放开 产业供给侧结构性改革 技术创新 双重差分模型 

分 类 号：F832.3[经济管理—金融学]