地方性银行产权结构、贷款供给与地方经济发展

魏  琪1; 2; 陶  冶3

地方性银行产权结构、贷款供给与地方经济发展

引用本文：魏琪1，2，陶冶3.地方性银行产权结构、贷款供给与地方经济发展[J].财经理论与实践,2020,(2):24-32

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作者	单位
魏琪1，2，陶冶3	（1.重庆工商大学长江上游经济研究中心/财政金融学院，重庆 400067； 2.西南大学农林经济管理博士后流动站，重庆 400715； 3．湖南省农村信用社联合社，湖南长沙 410208）

中文摘要:从经济增长和经济效率两个维度衡量地方经济发展，在对地方性银行产权结构、贷款供给与地方经济发展关系进行理论分析的基础上，采用我国67家地方性银行的数据，实证研究在贷款供给促进地方经济发展方面，不同产权性质的地方性银行是否具有差异；并进一步分析城商行与农商行在促进城市和非城市经济发展方面的差异性。研究发现：地方性银行提供的贷款越多，地方经济增长速度越快，地方经济效率也越高。在贷款促进地方经济增长方面，国有与非国有控股银行的作用无明显差异，但在贷款促进地方经济效率提升方面，国有控股银行的作用弱于非国有控股银行。城商行和农商行的贷款均能有效促进市辖区的经济发展，且作用效果无明显差异，但它们均未能明显促进非市辖区的经济发展。

中文关键词:地方性银行产权结构经济增长经济效率

Local Banks' Property Rights Structure, Loan Supply and Local Economic Development

Abstract:This paper measures local economic development from two dimensions of economic growth and economic efficiency. On the basis of theoretical analysis of the relationship between the property rights structure of local banks, loan supply and local economic development, using data from 67 local banks in China, we conducted an empirical research on whether local banks with different property rights have differences in terms of loan supply to promote local economic development, and further analyzed the differences between rural commercial banks and city commercial banks on the effect that promote urban and non-urban economic development. The study found: firstly, the more loans provided by local banks, the faster the local economy grows and the higher the local economic efficiency; secondly, there is no significant difference in the role of state-owned and non-state-controlled banks in terms of loans to promote local economic growth. However, in terms of loans to promote local economic efficiency, state-owned banks are weaker than non-state-controlled banks; and thirdly, the loans of city commercial banks and rural commercial banks can effectively promote urban economic development, and the effect is not significantly different, but they have not significantly promoted the non-urban economic development.

keywords:local bank property rights structure economic growth economic efficiency

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