商业银行业与区域经济发展的典型相关分析

发布时间：2018-01-15 12:01

本文关键词：商业银行业与区域经济发展的典型相关分析　出处：《金融论坛》2011年07期 　论文类型：期刊论文

【摘要】：本文利用全国31个省份有关数据,构建了商业银行与区域经济发展典型相关模型,探寻两者良性互动的内在机制。实证结果表明,两者发展指标具有很强的相关性,出口额、固定资产投资与银行贷款额高度相关,人均收入、人均消费水平、农村人均纯收入与银行总资产、存款额高度相关。结合不同地区的标准得分,本文将我国各地区银行业与区域经济协调发展的相关程度划分为三个水平,发现商业银行与区域经济发展相互促进的省份主要在东部沿海区域,大部分中西部省份商业银行与区域经济发展不相协调或相对落后,在此基础上提出了相应的政策建议。
[Abstract]:Based on the relevant data of 31 provinces in China, this paper constructs a typical correlation model between commercial banks and regional economic development, and explores the internal mechanism of their benign interaction. The empirical results show that. The two development indicators have a strong correlation, exports, fixed asset investment and bank loans are highly correlated, per capita income, per capita consumption level, rural per capita net income and total bank assets. According to the standard scores of different regions, this paper divides the correlation degree between regional banking and regional economy into three levels. It is found that commercial banks and regional economic development promote each other mainly in the eastern coastal areas, most of the central and western provinces commercial banks and regional economic development is not coordinated or relatively backward. On this basis, the corresponding policy recommendations are put forward.
【作者单位】：南京财经大学国际经贸学院;深圳发展银行青岛分行运营部;
【基金】：教育部人文社会科学研究青年基金项目(09YJC790140) 江苏省教育厅哲学社会科学项目(07SJD790009) 南京财经大学校级优先项目(B0604)
【分类号】：F832.2;F127;F224
【正文快照】： 幅员辽阔、资源禀赋各异以及地区间生产力布局不平衡,决定了中国经济发展具有明显的区域差异性。作为最主要的间接金融中介机构,商业银行因其资产雄厚、网点众多、业务渗透广及存款派生等特点,成为中央银行实施货币政策的基本渠道和地区发展经济的重要支撑。美国经济学家爱德

【参考文献】