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本文根据1990~2012年我国省级面板数据,考察银行业规模和集中度对经济增长的影响。在控制了其他变量之后,运用双向固定效应模型进行估计,并且为了克服潜在的内生性问题,创新性的引入贷存比作为工具变量,估计的结果显示:因为“门槛效应”的存在,我国中部和西部地区的银行业发展对经济增长的影响主要通过结构的改善而非规模的扩大,所以中、西部地区应该在扩大银行业规模的同时,继续优化银行业结构,加大对中小型银行的扶持,促进银行业可持续发展。
According to the provincial panel data from 1990 to 2012, this paper examines the impact of banking scale and concentration on economic growth. After controlling for other variables, the two-way fixed-effects model was used for estimation. In order to overcome the potential endogeneity problem and introduce innovative loan-deposit ratio as a tool variable, the estimation results show that because of the “threshold effect” The influence of banking development in the central and western regions of our country on economic growth is mainly through structural improvements rather than scale expansion. Therefore, while expanding the banking sector, central and western regions should continue to optimize the banking structure and increase the investment in small and medium-sized Bank’s support to promote the sustainable development of banking.