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通过采用存款集中度和贷款集中度刻画银行业市场结构,以与产业转移相关的广东省和湖南省为研究对象,利用2001—2011年的相关数据,研究了银行业市场结构与经济增长的关系。结果表明:整体上,存款集中度和贷款集中度与经济增长呈显著的负相关关系。但两省各地的经济发展存在空间依赖性和空间溢出效应,湖南省降低存贷款集中度能促进经济增长,而广东省适度提高存贷款集中度有利于经济持续增长。当期模型实证结果表明两省的存贷款集中度越集中,越不利于经济增长;跨期模型中的存贷款集中度对经济增长的负作用程度没有当期模型大,降低存贷款集中度对经济增长的促进作用有所下降。
By using the deposit concentration and loan concentration, this paper describes the structure of the banking market. Taking Guangdong Province and Hunan Province, which are related to industrial transfer, as the research objects, this paper studies the relationship between banking market structure and economic growth by using the data from 2001 to 2011 . The results show that: on the whole, there is a significant negative correlation between deposit concentration and loan concentration and economic growth. However, the economic development across the two provinces has spatial dependence and spillover effects. The reduction of deposit and loan concentration in Hunan Province can promote economic growth. However, Guangdong Province appropriately increases the concentration of deposits and loans, which is in favor of sustained economic growth. The empirical results of the current model show that the concentration of deposit and loan in the two provinces is more concentrated and less conducive to economic growth. The negative effect of concentration of deposit and loan in the intertemporal model on economic growth is not large in the current model, reducing the concentration of deposit and loan on economic growth The promotion effect has declined.