| 武力超,王凯.城市商业银行金融服务多样化能否影响城市人口集聚？[J].数量经济技术经济研究,2013,30(5):48-60 |
| 城市商业银行金融服务多样化能否影响城市人口集聚？ |
| Does Diversity of Financial Services in Chinese City Commercial Banks Influence Population Agglomeration? |
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| DOI： |
| 中文关键词: 人口集聚 金融服务 多样化 城市商业银行 区域比较 |
| 英文关键词: Agglomeration Financial Services Diversity City Commercial Banks Regional Comparison |
| 基金项目: |
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| 中文摘要: |
| 本文首先通过理论剖析和文献总结探讨城市商业银行金融服务多样化与城市人口集聚之间的关系，之后使用中国60家城市商业银行2001-2010年数据，实证结果证实城市商业银行金融服务多样化对城市人口集聚起到正面作用；城市商业银行经营规模和绩效均促进城市人口集聚，同时本文验证了宏观经济发展和城市人口集聚具有正相关的关系。加入时间效应后的研究结果与基本模型一致，表外业务、非利息收入均对城市人口集聚产生正相关影响，但非利息收入对城市人口集聚的正相关影响只体现在：2005-2010年时间段；加入地区效应的研究发现：城市商业银行金融服务多样化对东部，西部城市人口集聚的促进作用明显，而且在西部的影响程度大于东部地区。 |
| 英文摘要: |
| According to theoretical analysis and literature conclusion, the paper firstly studies the relationship between the diversity of financial services in urban commercial banks and agglomeration. Then based on data of 60 city commercial banks in China during 2001~2010, the empirical results confirm that various city commercial banks and financial services have a positive impact on agglomeration; the operating scale and performance of city commercial banks can promote agglomeration. At the same time, the paper verifies that the macro-economic development and agglomeration have a positive correlation. Then we add time effect ,the findings is consistent with the basic model, off-balance sheet business and non-interest income are positively related to agglomeration, but positive effect of non-interest income only appeared in the periods of 2005~2010. Sub-regional study shows that: city commercial banks diversity of financial services have a positive impact on agglomeration in the east and west region of China, but the impact in the west region is greater than that in the eastern region. |
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