银行业市场结构如何影响经济增长?——基于科技创新的中介效应检验  

How does the Banking Market Structure Affect Economic Growth?The Test of Intermediary Effect based on Scientific and Technological Innovation

作　　者：范瑞[1] 王书华[1] FAN Rui;WANG Shu-hua(School of Finance,Shanxi University of Finance and Economics,Taiyuan 030006,China)

机构地区：[1]山西财经大学金融学院,山西太原030006

出　　处：《经济问题》2020年第11期41-49,94,共10页On Economic Problems

基　　金：国家社会科学基金项目“流动性风险约束与中国商业银行资本结构的动态调整机制研究”(15BJY178);山西省高等学校人文社会科学重点研究基地项目“资源型经济转型中的金融集聚及其协同效应分析”(201801023);山西省软科学一般项目“山西省科技金融体系建设研究”(2018041050-6)。

摘　　要：中国经济的致稳前行亟需银行业市场结构改革与科技创新的持续蓄力。基于中国省级面板数据,采用调节路径分析方法,从银企规模相匹配视角验证了银行业市场结构对经济增长的直接效应以及通过科技创新影响经济增长的间接效应。研究表明,中小银行市场份额的提高,能够有效助推经济增长和科技创新;科技创新在银行业市场结构促进经济增长作用中中介作用显著。渐进式放宽银行业市场准入,增加中小银行数量并提高中小银行市场份额是创新能力提升、助力中国经济行稳致远的有效途径。The steady progress of China’s economy urgently requires the continuous assistance of banking market structure reform and technological innovation.Based on China’s provincial panel data,the method of adjustment path analysis was used to verify the direct effect of the banking market structure on economic growth and the indirect effect of economic growth through technological innovation from the perspective of matching the size of banks and enterprises.The research shows that the increase in market share of small and medium-sized banks can effectively promote economic growth and technological innovation;technological innovation plays a significant intermediary role in the role of the banking industry’s market structure in promoting economic growth.Gradually relaxing market access for the banking industry,increasing the number of small and medium-sized banks,and increasing their market share are effective ways to increase innovation capacity and help China’s economic development be stable and sustainable.

关 键 词：银行业市场结构 经济增长 科技创新 

分 类 号：F832.33[经济管理—金融学]