究竟是什么决定了一国银行业的发展
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财经研究 2010 年 第 36 卷第 08 期, 页码：47 - 58
摘要
参考文献
摘要
既有文献对银行业发展问题的研究,大多集中于微观层面,基于宏观层面和国家样本的分析相对不足。文章通过对全球范围内具有代表性的59个国家的实证分析,从银行业规模、效率和结构3个基本维度系统考察了决定不同国家银行业整体发展的相关因素。实证结果表明,对银行业整体规模产生显著影响的因素包括宏观经济稳定性、银行业务管制、政府的监管水平、金融开放程度以及社会信用水平;对银行业整体效率产生显著影响的因素包括宏观经济稳定性、良好的制度和管理、银行经营的规模效应、金融体系结构和监管要求;对银行业结构产生显著影响的因素包括银行业总体规模、银行业务管制、银行业开放程度以及银行腐败程度。
[1]陈雨露,马勇.社会信用文化、金融体系结构与金融业组织形式[J].经济研究,2008,(3):29-38.
[2]陈雨露,马勇.现代金融体系下的中国金融业混业经营:路径、风险与监管体系[M].北京:中国人民大学出版社,2009.
[3]林毅夫,孙希芳.银行业结构与经济增长[J].经济研究,2008,(9):31-45.
[4]马勇,杨栋,陈雨露.信贷扩张、监管错配与金融危机:跨国实证[J].经济研究,2009,(12):93-106.
[5]Allen L.The determinants of banks interest margins:A note[J].Journal of Financialand Quantitative Analysis,1988,23:231-235.
[6]Angbazo L.Commercial bank net interest margins,default risk,interest-rate risk,andoff-balance sheet banking[J].Journal of Banking and Finance,1997,21:55-87.
[7]Beck T,Demirguc-Kunt A,Levine R.New database on financial development andstructure[R].World Bank Mi meo,1999:1-75.
[8]Beck T,Levine R,Loayza N.Finance and the sources of growth[R].World BankMi meo,1999:1-60.
[9]Demirguc-Kunt A.Institutions,financial markets andfirmdebt maturity[J].Journal ofFinancial Economics,1999,54:295-336.
[10]Demirg-Kunt A,Levine R.Bank-based and market-based financial systems:Cross-country comparisons[R].World Bank Economic Review,2000:1-66.
[11]Dermiguc-Kunt A,Karacaovali B,Laeven L.Deposit insurance around the world:Acomprehensive database[R].The World Bank Working Paper,2005:1-96.
[12]Demirg-Kunt A,Maksi movic V.Law,finance,and firm growth[J].Journal of Fi-nance,1998,53(6):2107-2137.
[13]Ho T,Saunders A.The determinants of bank interest margins:Theory and empiricalevidence[J].Journal of Financial and Quantitative Analysis,1981,16:581-600.
[14]La-porta R,Lopez-Silanes F,Shleifer A,Vishny R.Legal determinants of external fi-nance[J].Journal of Finance,1997,52(3):1131-1150.
[15]La-porta R,Lopez-Silanes F,Shleifer A,Vishny R.Law and finance[J].Journal ofPolitical Economy,December,1998,106(6):1113-1155.
[16]Lederman L,Menendez.Violent cri me:Does social capital matter?[J].EconomicDevelopment and Cultural Change,2002,50(3):509-539.
[17]McShane R,Sharpe I.Ati me series cross section analysis of the determinants of Aus-tralian trading bank loan/deposit interest margins:1962-1981[J].Journal of Bankingand Finance,1985,9:115-136.
[18]Saunders A,Schumacher L.The determinants of bankinterest rate margins:Aninter-national study[R].Working Paper No.58,1998:1-66.
[19]Wang K.On the determinants of bank interest margins under credit and interest raterisks[J].Journal of Banking and Finance,1997,21:251-271.
[2]陈雨露,马勇.现代金融体系下的中国金融业混业经营:路径、风险与监管体系[M].北京:中国人民大学出版社,2009.
[3]林毅夫,孙希芳.银行业结构与经济增长[J].经济研究,2008,(9):31-45.
[4]马勇,杨栋,陈雨露.信贷扩张、监管错配与金融危机:跨国实证[J].经济研究,2009,(12):93-106.
[5]Allen L.The determinants of banks interest margins:A note[J].Journal of Financialand Quantitative Analysis,1988,23:231-235.
[6]Angbazo L.Commercial bank net interest margins,default risk,interest-rate risk,andoff-balance sheet banking[J].Journal of Banking and Finance,1997,21:55-87.
[7]Beck T,Demirguc-Kunt A,Levine R.New database on financial development andstructure[R].World Bank Mi meo,1999:1-75.
[8]Beck T,Levine R,Loayza N.Finance and the sources of growth[R].World BankMi meo,1999:1-60.
[9]Demirguc-Kunt A.Institutions,financial markets andfirmdebt maturity[J].Journal ofFinancial Economics,1999,54:295-336.
[10]Demirg-Kunt A,Levine R.Bank-based and market-based financial systems:Cross-country comparisons[R].World Bank Economic Review,2000:1-66.
[11]Dermiguc-Kunt A,Karacaovali B,Laeven L.Deposit insurance around the world:Acomprehensive database[R].The World Bank Working Paper,2005:1-96.
[12]Demirg-Kunt A,Maksi movic V.Law,finance,and firm growth[J].Journal of Fi-nance,1998,53(6):2107-2137.
[13]Ho T,Saunders A.The determinants of bank interest margins:Theory and empiricalevidence[J].Journal of Financial and Quantitative Analysis,1981,16:581-600.
[14]La-porta R,Lopez-Silanes F,Shleifer A,Vishny R.Legal determinants of external fi-nance[J].Journal of Finance,1997,52(3):1131-1150.
[15]La-porta R,Lopez-Silanes F,Shleifer A,Vishny R.Law and finance[J].Journal ofPolitical Economy,December,1998,106(6):1113-1155.
[16]Lederman L,Menendez.Violent cri me:Does social capital matter?[J].EconomicDevelopment and Cultural Change,2002,50(3):509-539.
[17]McShane R,Sharpe I.Ati me series cross section analysis of the determinants of Aus-tralian trading bank loan/deposit interest margins:1962-1981[J].Journal of Bankingand Finance,1985,9:115-136.
[18]Saunders A,Schumacher L.The determinants of bankinterest rate margins:Aninter-national study[R].Working Paper No.58,1998:1-66.
[19]Wang K.On the determinants of bank interest margins under credit and interest raterisks[J].Journal of Banking and Finance,1997,21:251-271.
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马勇, 陈雨露. 究竟是什么决定了一国银行业的发展[J]. 财经研究, 2010, 36(8): 47–58.
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