银行利润对经济增长影响的实证分析——基于中美两国数据的对比

发布时间：2018-01-08 08:38

本文关键词：银行利润对经济增长影响的实证分析——基于中美两国数据的对比　出处：《国际贸易问题》2012年05期 　论文类型：期刊论文

【摘要】：随着中国利率市场化改革的深化,银行拥有更多的经营自主权,但银行在信贷市场中所处的垄断地位却没有随着利率市场化改革而相应改变。运用VECM模型对中国12家上市银行及同时期美国商业银行的利润增长对经济发展的影响进行了实证研究,结果表明美国的银行利润增长显著促进了经济发展。相比之下,中国银行利润增长对经济发展的长期影响并不显著,而四大国有银行利润增长对经济发展有显著的阻碍作用,非国有银行利润增长则对经济发展有显著的促进作用。四大国有银行在信贷市场中的垄断地位导致其对经济发展产生阻碍,这意味着中国利率市场化改革及资本市场改革仍不彻底。因此,应鼓励非国有股份制银行发展,并进一步深化利率市场化改革及资本市场改革。
[Abstract]:With the deepening of China's interest rate marketization reform, banks have more autonomy in operation. However, the monopoly position of banks in the credit market has not changed with the reform of interest rate marketization. Applying VECM model to 12 listed banks in China and the profit growth of American commercial banks in the same period to the economy. The impact of the development of empirical research. The results show that the growth of bank profits in the United States has significantly promoted the economic development. In contrast, the long-term impact of Chinese bank profit growth on economic development is not significant. The profit growth of the four state-owned banks has a significant impact on economic development. The growth of profits of non-state-owned banks has a significant role in promoting economic development. The monopoly position of the four state-owned banks in the credit market leads to their hindrance to economic development. This means that China's interest rate marketization reform and capital market reform are still not complete. Therefore, we should encourage the development of non-state-owned joint-stock banks, and further deepen the interest rate marketization reform and capital market reform.
【作者单位】：对外经济贸易大学金融学院;对外经济贸易大学国际经济研究院;
【基金】：国家社科基金重大项目“我国新一轮对外开放的战略布局、主要目标和政策选择研究”(项目号:11&ZD007)
【分类号】：F832.2;F124;F224
【正文快照】： 一、引言2008年美国次贷危机引发的欧债危机,导致全球性金融市场波动、股市低迷。日本七成上市地方银行净利润下滑,美国银行业盈利能力逐渐复苏但仍然乏力。危机使全球金融遭到沉重打击,也使实体经济遭到重创。2011年里,中国珠三角、长三角地区中小企业大量倒闭。然而,与此同

【共引文献】