银行效率的决定因素:跨国实证
发布时间：2019-06-15 02:34
【摘要】：本文基于1990-2009年间68个主要国家和经济体的面板数据,从管理效率、市场竞争性和盈利能力三个基本方面对影响一国银行业效率的相关因素进行了实证分析。实证结果表明:从宏观经济政策来看,保持宏观经济的持续稳定增长,稳步推进资本账户开放,将有助于提高一国银行业的整体效率;从银行产业发展来看,银行业效率的提高需要在保持适度资产规模和产业集中度的基础上,防止银行信贷的过度扩张和银行危机的发生;从制度文化发展来看,加强产权保护,促进社会信用文化水平的提升,将有助于一国银行业效率的整体提升。
[Abstract]:Based on the panel data of 68 major countries and economies from 1990 to 2009, this paper makes an empirical analysis of the related factors affecting the efficiency of a country's banking industry from three basic aspects: management efficiency, market competitiveness and profitability. The empirical results show that from the point of view of macroeconomic policy, maintaining the sustained and stable growth of macro-economy and steadily promoting the opening of capital account will help to improve the overall efficiency of a country's banking industry, and from the point of view of the development of banking industry, the improvement of banking efficiency needs to prevent the excessive expansion of bank credit and the occurrence of banking crisis on the basis of maintaining moderate asset scale and industrial concentration. From the point of view of the development of institutional culture, strengthening the protection of property rights and promoting the level of social credit culture will contribute to the overall improvement of the efficiency of a country's banking industry.
【作者单位】： 中国人民大学财政金融政策研究中心;西南财经大学金融学院;中国人民大学国际货币研究所;
【基金】：国家自然科学基金项目“宏观审慎政策体系与实施方案研究”(71150003) 北京市教育委员会共建项目“中国货币国际化战略研究”资助
【分类号】：F831.2;F224
[Abstract]:Based on the panel data of 68 major countries and economies from 1990 to 2009, this paper makes an empirical analysis of the related factors affecting the efficiency of a country's banking industry from three basic aspects: management efficiency, market competitiveness and profitability. The empirical results show that from the point of view of macroeconomic policy, maintaining the sustained and stable growth of macro-economy and steadily promoting the opening of capital account will help to improve the overall efficiency of a country's banking industry, and from the point of view of the development of banking industry, the improvement of banking efficiency needs to prevent the excessive expansion of bank credit and the occurrence of banking crisis on the basis of maintaining moderate asset scale and industrial concentration. From the point of view of the development of institutional culture, strengthening the protection of property rights and promoting the level of social credit culture will contribute to the overall improvement of the efficiency of a country's banking industry.
【作者单位】： 中国人民大学财政金融政策研究中心;西南财经大学金融学院;中国人民大学国际货币研究所;
【基金】：国家自然科学基金项目“宏观审慎政策体系与实施方案研究”(71150003) 北京市教育委员会共建项目“中国货币国际化战略研究”资助
【分类号】：F831.2;F224
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