通过研究2004～2006年中国19座城市不同类型银行与城市经济之间的关系发现,在不同模型中,外资银行均表现出对城市经济的推动作用,同时城市固定效应也强化了其与城市经济的关系,而城市商业银行和其它银行都只能推动城市经济总量上升,而不能促进经济水平提高,其贷款仍处于粗放水平,这些结论在稳健性检验中也得到了证实。 By studying the relationship between different types of banks and urban economy in 19 cities in China from 2004 to 2006, it is found that in different models, foreign banks all play a catalytic role in promoting urban economy. Urban fixed effects also strengthen their relationship with urban economy However, both commercial banks and other banks can only promote the increase of total urban economy, but can not promote the improvement of economic level. Their loans are still at a rough level. These conclusions have also been verified in the robustness test.