云南省银行业集中度与经济增长关系研究

发布时间：2018-03-31 05:28

本文选题：银行业　切入点：集中度　出处：《云南财经大学》2017年硕士论文

【摘要】：自20世纪80年代以来,随着金融危机的复发和扩散,给发展中国家和发达国家带来了巨大的社会经济代价,使金融业成为了全球关注的焦点,而金融业这一焦点中最为重要的部分则是银行在国家经济增长动力中的核心作用。银行业市场结构的变化不仅仅影响个别银行的发展,还影响整个经济的增长。反过来,经济又能调整并促进银行业市场结构的完善。云南省经济在改革开放以来实现了长足发展,作为发展沿边金融的重要省份,云南省一直受到党和政府的重视和支持。近年来,西部大开发、桥头堡建设、国际金融中心建设、沿边金融改革示范区建设等为云南经济带来了诸多发展机遇。理清银行业与经济增长之间相互作用的机理,有助于金融支持实体经济协调发展的实现,意义深远。基于此,本文着手研究云南省银行业市场结构与经济增长相关问题,旨在实现两个基本目的:一是梳理经济和银行业发展现状,实证探求银行市场结构与经济增长的关系,特别是分析二者在现实情况中的相互影响情况,并分析结果产生的原因;二是结合实证结果,提出适合云南省实际情况的调整建议,使银行市场结构与经济相匹配,以期形成良性发展模式并促成经济的持续高效发展。本文的研究思路和核心内容主要包括:首先,在梳理国内外研究动态和相关理论的基础上,发现突破口,构建研究内容和框架。其次,对国内外银行业市场结构进行比较研究,并对云南省经济和银行业发展现状进行分析,对云南省银行业市场结构类型做出判定。再次,利用2000~2014年统计数据,通过计量模型探讨银行业集中度与竞争度、经济增长之间的关系,并进行原因分析。最后,结合国内外相关经验,提出政策建议供云南省参考。结果发现:一、云南省银行业市场结构已从极高寡占型转向中下集中寡占型;二、增加云南省银行业竞争度,集中度并没有受其影响而产生显著性变化;三、集中度与经济增长之间存在长期稳定的负相关关系,在长期则产生了从集中度到经济增长的单向因果关系。
[Abstract]:Since the 1980s, with the recurrence and spread of the financial crisis, it has brought huge social and economic costs to the developing and developed countries, which has made the financial industry become the focus of global attention. The most important part of the financial sector is the central role of banks in the national economic growth drive. The changing structure of the banking market affects not only the development of individual banks, but also the growth of the economy as a whole. The economy can also adjust and promote the perfection of the banking market structure. Yunnan Province has achieved considerable economic development since the reform and opening up. As an important province in the development of border finance, Yunnan Province has been attached importance to and supported by the Party and the government in recent years. The development of the western region, the construction of bridgehead, the construction of the international financial center and the construction of the financial reform demonstration zone along the border have brought many development opportunities for Yunnan's economy. It is helpful to realize the coordinated development of the real economy, which is of great significance. Based on this, this paper begins to study the problems related to the market structure of the banking industry and economic growth in Yunnan Province. The purpose is to achieve two basic purposes: first, to comb the current situation of economic and banking development, to explore the relationship between the market structure of banks and economic growth, especially to analyze the interaction between the two in the actual situation, and to analyze the causes of the results; Second, based on the empirical results, the author puts forward some suggestions to adjust the banking market structure to match the economic situation in Yunnan Province. In order to form a benign development model and promote sustainable and efficient economic development. The main research ideas and core contents of this paper include: first, on the basis of combing the domestic and foreign research trends and related theories, to find a breakthrough. Secondly, it makes a comparative study on the domestic and foreign banking market structure, and analyzes the current situation of economic and banking development in Yunnan Province, and makes a judgment on the types of banking market structure in Yunnan Province. Based on the statistical data from 2000 to 2014, this paper discusses the relationship between banking concentration, competition and economic growth by means of econometric model, and analyzes the causes. Finally, combined with the relevant experience at home and abroad, the relationship between banking concentration and competition and economic growth is analyzed. The results show that: first, the banking market structure of Yunnan Province has changed from extremely high oligopoly to middle and lower centralized oligopoly; second, the degree of competition in Yunnan banking industry has been increased. The concentration degree has no significant change because of its influence. Thirdly, there is a long-term stable negative correlation between concentration degree and economic growth, and in the long run, there is a one-way causal relationship from concentration to economic growth.
【学位授予单位】：云南财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.3

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