中国银行业市场结构对金融包容的影响研究——基于区域经济发展差异化的视角
7970 
2699
财经研究 2015 年 第 41 卷第 06 期, 页码：
摘要
参考文献
摘要
有效满足社会的金融需求和保障所有人获得基本金融服务，不仅是评判一国银行业结构改革的重要标准，也是实现包容性增长的重要途径。文章基于金融包容理论与中国银行业结构改革的实践，基于31个省（自治区、直辖市）2006－2011年的面板数据，在区域经济发展水平差异化的背景下，研究了银行业市场结构演变对金融包容的影响。结果显示，银行业市场结构的分散化有利于地区金融包容水平的提升，但在经济发达地区，这一促进作用有所减弱。在二元金融结构背景下，银行业“增量改革”的措施并未达到预期效果，要实现金融包容的区域均衡，必须提高中西部等落后地区的银行业竞争程度，促进中小银行的发展。
[1]高辉, 刘灿. 转轨过程中我国银行业市场结构与绩效的实证分析[J]. 财经科学, 2004,(5):80-83.
[2]韩大海, 张文瑞, 高凤英. 区域金融生态影响区域金融资源配置的机理[J]. 财经研究, 2007,(4):41-51.
[3]金雪军, 田霖. 我国区域金融成长差异的态势:1978-2003年[J].经济理论与经济管理, 2004,(8): 24-30.
[4]雷震，彭欢. 银行业市场结构与中小企业的生成：来自中国1995~2006年的证据[J]. 世界经济, 2010,(3): 109-125.
[5]林毅夫，姜烨. 经济结构、银行业结构与经济发展——基于分省面板数据的实证分析[J].金融研究，2006,(1):7-22.
[6]林毅夫，孙希芳，姜烨. 经济发展中的最优金融结构理论初探[J]. 经济研究, 2009,(8): 4-17.
[7]彭欢, 雷震. 放松管制与我国银行业市场竞争实证研究[J].南开经济研究,2010,(2):80-97.
[8]乔海曙, 陈力. 金融发展与城乡收入差距“倒U型”关系再检验——基于中国县域截面数据的实证分析[J].中国农村经济,2009,(7):68-76.
[9]谈儒勇，叶海景，范坤祥. 我国各地银行集中度与经济增长关系的实证研究[J]. 当代财经, 2006,(12): 46-50.
[10]田杰, 陶建平. 农村金融排除对城乡收入差距的影响——来自我国1578个县(市)面板数据的实证分析[J].中国经济问题,2011,(5):56-64.
[11]田霖. 我国农村金融包容的区域差异与影响要素解析[J].金融理论与实践,2012,(11):39-48.
[12]叶欣,郭建伟,冯宗宪. 垄断到竞争：中国商业银行业市场结构的变迁[J].金融研究,2001,(11):79-85.
[13]余丽霞. 中国银行业市场结构实证分析及建议[J].经济社会体制比较,2008,(3):49-53.
[14]张晓玫, 潘玲. 我国银行业市场结构与中小企业关系型贷款[J].金融研究, 2013,(6):133-145.
[15]Arellano M, Bond S. Some tests of specification for panel data:Monte carlo evidence and an application to employment equations[J]. Review of Economic Studies, 1991,58(2): 277-297.
[16]Hanning A, Jansen S. Financial inclusion and financial stability:Current policy issues [R].ADBI Working Paper No.259,2010.
[17]Aysan A F,Disli M,Schoors K. Bank competition and outreach: Evidence from Turkey[J].Emerging Markets Finance and Trade,2013,49(5):7-30.
[18]Amidzic G,Massara A,Mialou A. Assessing countries’ financial inclusion standing—A new composite index[R].IMF Working Paper No.WP/14/36,2014.
[19]Beck T,DemirgüKunt A, Peria M S M. Reaching out: Access to and use of banking services across countries[J].Journal of Financial Economics, 2007,85(1):234-266.
[20]Beck T,DemirgüKunt A, Maksimovic V. Bank competition and access to finance:International evidence[J].Journal of Money, Credit and Banking，2004，36(3):627-648.
[21]Berger A,Hannan T H. The priceconcentration relationship in banking[J].Review of Economics and Statistics,1989,71,(2):291-299.
[22]Berger A N，Udell G F. Small business credit availability and relationship lending: The importance of bank organizational structure[J].The Economic Journal, 2002,112(1):32-53.
[23]Berger A N，Udell G F. A more complete conceptual framework for SME finance[J]. Journal of Banking and Finance, 2006,30(11):2945-2966.
[24]Boot A, Thakor A. Can relationship banking survive competition[J]. Journal of Finance, 2000,55(2):679-713.
[25]CarboValverde S, RodriguezFernandez F, Udell G F. Bank market power and SME financing constraints[J]. Review of Finance,2009,13(2):309-340.
[26]Carlin M. Finance, investment, and growth[J]. Journal of Financial Economics,2003,69(1):191-226.
[27]Cetoreli N, Strahan P. Finance as a barrier to entry:Bank competition and industry structure in local U.S. markets[J]. The Journal of Finance, 2006,61(1):437-461.
[28]Chakravarty S R, Pal R. Measuring financial inclusion:An axiomatic approach[R]. Indira Gandhi Institute of Development Research Working Papers No.201003,2010.
[29]Chithral N,Selvam M. Determinants of financial inclusion:An empirical study on the interstate variations in india[R].Working Paper, 2013.
[30]Diamond D,Dybvig P. Bank runs, deposit insurance, and liquidity[J]. Journal of Political Economy,1983,91(3):401-419.
[31]DemirgüKunt A,Klapper L. Measuring financial inclusion: The global findex database[R].World Bank Policy Research Working Paper No.6025, 2012.
[32]DemirgüKunt A,Levine R. Finance & economic opportunity[R]. World Bank Policy Research Working Paper No. 4468,2008.
[33]FSA(Financial Services Authority). In or out? Financial exclusion: A literature and research review[R]. Consumer Research Paper, No.3, 2000.
[34]Guzman M G. Bank structure, capital accumulation and growth:A simple macroeconomic model[J]. Economic Theory, 2000,16(2):421-455.
[35]Hannan T H. Market share inequality, the number of competitors, and the HHI:An examination of bank pricing[J]. Review of Industrial Organization,1997,12(1):23-35.
[36]Huang Y. Selling China: Foreign direct investment during the reform era[M].London: Cambridge University Press,2003.
[37]Kempson E, Whyley C. Kept out or opted out? Understanding and combating financial exclusion[M]. Bristol: Policy Press, 1999.
[38]Liu G,Mirzaei A. Industrial growth:Does bank competition, concentration and stability constraint matter?Evidence from developed and emerging economies[R]. Brunel University Economics and Finance Working Paper No.1323,2013.
[39]Mookerjee R,Kalipioni P. Availability of financial services and income inequality:The evidence from many countries[J]. Emerging Market Review,2010,11(4):404-408.
[40]Kumar N. Financial inclusion and its determinants:Evidence from India[J].Journal of Financial Economic Policy,2013,5(1):4-19.
[41]Pagano M. Financial markets and growth:An overview[J].European Economic Review, 1993,37(23):613-622.
[42]Sarma M. Index of financial inclusion[R].Indian Council for Research on International Economic Relations Working Paper No.215,2008.
[43]Stein J. Information production and capital allocation:Decentralized versus hierarchical firms[J]. Journal of Finance,2002, 57(5):1891-1921.
[44]Stiroh K J,Poole J P. Explaining the rising concentration of banking assets in the 1990s[J]. Current Issues In Economics and Finance,2000, 6(9):1-6.
[45]Yafeh Y, Yosha O. Industrial organization of financial systems and strategic use of relationship banking[J]. European Finance Review, 2001,5(1-2):63-78.
[2]韩大海, 张文瑞, 高凤英. 区域金融生态影响区域金融资源配置的机理[J]. 财经研究, 2007,(4):41-51.
[3]金雪军, 田霖. 我国区域金融成长差异的态势:1978-2003年[J].经济理论与经济管理, 2004,(8): 24-30.
[4]雷震，彭欢. 银行业市场结构与中小企业的生成：来自中国1995~2006年的证据[J]. 世界经济, 2010,(3): 109-125.
[5]林毅夫，姜烨. 经济结构、银行业结构与经济发展——基于分省面板数据的实证分析[J].金融研究，2006,(1):7-22.
[6]林毅夫，孙希芳，姜烨. 经济发展中的最优金融结构理论初探[J]. 经济研究, 2009,(8): 4-17.
[7]彭欢, 雷震. 放松管制与我国银行业市场竞争实证研究[J].南开经济研究,2010,(2):80-97.
[8]乔海曙, 陈力. 金融发展与城乡收入差距“倒U型”关系再检验——基于中国县域截面数据的实证分析[J].中国农村经济,2009,(7):68-76.
[9]谈儒勇，叶海景，范坤祥. 我国各地银行集中度与经济增长关系的实证研究[J]. 当代财经, 2006,(12): 46-50.
[10]田杰, 陶建平. 农村金融排除对城乡收入差距的影响——来自我国1578个县(市)面板数据的实证分析[J].中国经济问题,2011,(5):56-64.
[11]田霖. 我国农村金融包容的区域差异与影响要素解析[J].金融理论与实践,2012,(11):39-48.
[12]叶欣,郭建伟,冯宗宪. 垄断到竞争：中国商业银行业市场结构的变迁[J].金融研究,2001,(11):79-85.
[13]余丽霞. 中国银行业市场结构实证分析及建议[J].经济社会体制比较,2008,(3):49-53.
[14]张晓玫, 潘玲. 我国银行业市场结构与中小企业关系型贷款[J].金融研究, 2013,(6):133-145.
[15]Arellano M, Bond S. Some tests of specification for panel data:Monte carlo evidence and an application to employment equations[J]. Review of Economic Studies, 1991,58(2): 277-297.
[16]Hanning A, Jansen S. Financial inclusion and financial stability:Current policy issues [R].ADBI Working Paper No.259,2010.
[17]Aysan A F,Disli M,Schoors K. Bank competition and outreach: Evidence from Turkey[J].Emerging Markets Finance and Trade,2013,49(5):7-30.
[18]Amidzic G,Massara A,Mialou A. Assessing countries’ financial inclusion standing—A new composite index[R].IMF Working Paper No.WP/14/36,2014.
[19]Beck T,DemirgüKunt A, Peria M S M. Reaching out: Access to and use of banking services across countries[J].Journal of Financial Economics, 2007,85(1):234-266.
[20]Beck T,DemirgüKunt A, Maksimovic V. Bank competition and access to finance:International evidence[J].Journal of Money, Credit and Banking，2004，36(3):627-648.
[21]Berger A,Hannan T H. The priceconcentration relationship in banking[J].Review of Economics and Statistics,1989,71,(2):291-299.
[22]Berger A N，Udell G F. Small business credit availability and relationship lending: The importance of bank organizational structure[J].The Economic Journal, 2002,112(1):32-53.
[23]Berger A N，Udell G F. A more complete conceptual framework for SME finance[J]. Journal of Banking and Finance, 2006,30(11):2945-2966.
[24]Boot A, Thakor A. Can relationship banking survive competition[J]. Journal of Finance, 2000,55(2):679-713.
[25]CarboValverde S, RodriguezFernandez F, Udell G F. Bank market power and SME financing constraints[J]. Review of Finance,2009,13(2):309-340.
[26]Carlin M. Finance, investment, and growth[J]. Journal of Financial Economics,2003,69(1):191-226.
[27]Cetoreli N, Strahan P. Finance as a barrier to entry:Bank competition and industry structure in local U.S. markets[J]. The Journal of Finance, 2006,61(1):437-461.
[28]Chakravarty S R, Pal R. Measuring financial inclusion:An axiomatic approach[R]. Indira Gandhi Institute of Development Research Working Papers No.201003,2010.
[29]Chithral N,Selvam M. Determinants of financial inclusion:An empirical study on the interstate variations in india[R].Working Paper, 2013.
[30]Diamond D,Dybvig P. Bank runs, deposit insurance, and liquidity[J]. Journal of Political Economy,1983,91(3):401-419.
[31]DemirgüKunt A,Klapper L. Measuring financial inclusion: The global findex database[R].World Bank Policy Research Working Paper No.6025, 2012.
[32]DemirgüKunt A,Levine R. Finance & economic opportunity[R]. World Bank Policy Research Working Paper No. 4468,2008.
[33]FSA(Financial Services Authority). In or out? Financial exclusion: A literature and research review[R]. Consumer Research Paper, No.3, 2000.
[34]Guzman M G. Bank structure, capital accumulation and growth:A simple macroeconomic model[J]. Economic Theory, 2000,16(2):421-455.
[35]Hannan T H. Market share inequality, the number of competitors, and the HHI:An examination of bank pricing[J]. Review of Industrial Organization,1997,12(1):23-35.
[36]Huang Y. Selling China: Foreign direct investment during the reform era[M].London: Cambridge University Press,2003.
[37]Kempson E, Whyley C. Kept out or opted out? Understanding and combating financial exclusion[M]. Bristol: Policy Press, 1999.
[38]Liu G,Mirzaei A. Industrial growth:Does bank competition, concentration and stability constraint matter?Evidence from developed and emerging economies[R]. Brunel University Economics and Finance Working Paper No.1323,2013.
[39]Mookerjee R,Kalipioni P. Availability of financial services and income inequality:The evidence from many countries[J]. Emerging Market Review,2010,11(4):404-408.
[40]Kumar N. Financial inclusion and its determinants:Evidence from India[J].Journal of Financial Economic Policy,2013,5(1):4-19.
[41]Pagano M. Financial markets and growth:An overview[J].European Economic Review, 1993,37(23):613-622.
[42]Sarma M. Index of financial inclusion[R].Indian Council for Research on International Economic Relations Working Paper No.215,2008.
[43]Stein J. Information production and capital allocation:Decentralized versus hierarchical firms[J]. Journal of Finance,2002, 57(5):1891-1921.
[44]Stiroh K J,Poole J P. Explaining the rising concentration of banking assets in the 1990s[J]. Current Issues In Economics and Finance,2000, 6(9):1-6.
[45]Yafeh Y, Yosha O. Industrial organization of financial systems and strategic use of relationship banking[J]. European Finance Review, 2001,5(1-2):63-78.
引用本文
粟 勤, 肖 晶. 中国银行业市场结构对金融包容的影响研究——基于区域经济发展差异化的视角[J]. 财经研究, 2015, 41(6): 0.
导出参考文献，格式为：
