银行业市场结构的经济影响——基于文献综述  

The Economic Effects of Bank Market Structure: A Literature Review

作　　者：唐晶星 TANG Jing-xing(School of Economincs,Guangdong University of Finance and Economics,Guangzhou,510320,Guangdong,China)

机构地区：[1]广东财经大学经济学院,广州510320

出　　处：《华南理工大学学报（社会科学版）》2021年第6期46-57,共12页Journal of South China University of Technology(Social Science Edition)

基　　金：国家社会科学基金重大项目(16ZDA006)。

摘　　要：在当前银行主导型的金融体系格局下,优化银行业市场结构,增强银行业市场竞争,缓和长期以来信贷资源配置与实体经济之间的结构性失衡,是金融供给侧结构性改革的重要内容和目的之一。从理论机制与经验研究两方面系统地梳理了银行业市场结构对经济影响的文献。理论研究显示,银行业市场结构通过银行市场势力、信贷市场信息不对称程度、银企关系的建立等多种作用机制,影响企业的融资约束状况和融资条件,表现出相应的实体经济后果。实证分析表明,更具竞争性的银行业市场结构促进了企业、行业和经济增长。在此基础上,对该领域的未来研究方向进行了展望。Under the current bank-dominated financial system,an important content and purpose of financial supply-side structural reform should be optimizing the banking market structure and improving banking market competition to alleviate the long-term structural imbalance between credit resource allocation and real sectors.This paper systematically combs the literature about the effects of banking market structure on economy from two aspects of theoretical mechanism and empirical research.According to theoretical researches,banking market structure affects the financial constraints and financial condition of firms by the channels of bank market power,information asymmetry in credit market as well as the bank-firm relationships,and shows corresponding consequences to real sectors.Empirical analysis shows that,in general,a more competitive banking market structure promotes the development of firm,industry and economic.On this basis,some future research directions in this field are proposed.

关 键 词：银行业市场结构 银行业市场竞争 金融供给侧结构性改革 经济发展 

分 类 号：F832.3[经济管理—金融学]