本文選題：銀行業(yè)　切入點(diǎn)：集中度　出處：《云南財(cái)經(jīng)大學(xué)》2017年碩士論文

【摘要】：自20世紀(jì)80年代以來(lái),隨著金融危機(jī)的復(fù)發(fā)和擴(kuò)散,給發(fā)展中國(guó)家和發(fā)達(dá)國(guó)家?guī)?lái)了巨大的社會(huì)經(jīng)濟(jì)代價(jià),使金融業(yè)成為了全球關(guān)注的焦點(diǎn),而金融業(yè)這一焦點(diǎn)中最為重要的部分則是銀行在國(guó)家經(jīng)濟(jì)增長(zhǎng)動(dòng)力中的核心作用。銀行業(yè)市場(chǎng)結(jié)構(gòu)的變化不僅僅影響個(gè)別銀行的發(fā)展,還影響整個(gè)經(jīng)濟(jì)的增長(zhǎng)。反過(guò)來(lái),經(jīng)濟(jì)又能調(diào)整并促進(jìn)銀行業(yè)市場(chǎng)結(jié)構(gòu)的完善。云南省經(jīng)濟(jì)在改革開(kāi)放以來(lái)實(shí)現(xiàn)了長(zhǎng)足發(fā)展,作為發(fā)展沿邊金融的重要省份,云南省一直受到黨和政府的重視和支持。近年來(lái),西部大開(kāi)發(fā)、橋頭堡建設(shè)、國(guó)際金融中心建設(shè)、沿邊金融改革示范區(qū)建設(shè)等為云南經(jīng)濟(jì)帶來(lái)了諸多發(fā)展機(jī)遇。理清銀行業(yè)與經(jīng)濟(jì)增長(zhǎng)之間相互作用的機(jī)理,有助于金融支持實(shí)體經(jīng)濟(jì)協(xié)調(diào)發(fā)展的實(shí)現(xiàn),意義深遠(yuǎn)�；诖�,本文著手研究云南省銀行業(yè)市場(chǎng)結(jié)構(gòu)與經(jīng)濟(jì)增長(zhǎng)相關(guān)問(wèn)題,旨在實(shí)現(xiàn)兩個(gè)基本目的:一是梳理經(jīng)濟(jì)和銀行業(yè)發(fā)展現(xiàn)狀,實(shí)證探求銀行市場(chǎng)結(jié)構(gòu)與經(jīng)濟(jì)增長(zhǎng)的關(guān)系,特別是分析二者在現(xiàn)實(shí)情況中的相互影響情況,并分析結(jié)果產(chǎn)生的原因;二是結(jié)合實(shí)證結(jié)果,提出適合云南省實(shí)際情況的調(diào)整建議,使銀行市場(chǎng)結(jié)構(gòu)與經(jīng)濟(jì)相匹配,以期形成良性發(fā)展模式并促成經(jīng)濟(jì)的持續(xù)高效發(fā)展。本文的研究思路和核心內(nèi)容主要包括:首先,在梳理國(guó)內(nèi)外研究動(dòng)態(tài)和相關(guān)理論的基礎(chǔ)上,發(fā)現(xiàn)突破口,構(gòu)建研究?jī)?nèi)容和框架。其次,對(duì)國(guó)內(nèi)外銀行業(yè)市場(chǎng)結(jié)構(gòu)進(jìn)行比較研究,并對(duì)云南省經(jīng)濟(jì)和銀行業(yè)發(fā)展現(xiàn)狀進(jìn)行分析,對(duì)云南省銀行業(yè)市場(chǎng)結(jié)構(gòu)類(lèi)型做出判定。再次,利用2000~2014年統(tǒng)計(jì)數(shù)據(jù),通過(guò)計(jì)量模型探討銀行業(yè)集中度與競(jìng)爭(zhēng)度、經(jīng)濟(jì)增長(zhǎng)之間的關(guān)系,并進(jìn)行原因分析。最后,結(jié)合國(guó)內(nèi)外相關(guān)經(jīng)驗(yàn),提出政策建議供云南省參考。結(jié)果發(fā)現(xiàn):一、云南省銀行業(yè)市場(chǎng)結(jié)構(gòu)已從極高寡占型轉(zhuǎn)向中下集中寡占型;二、增加云南省銀行業(yè)競(jìng)爭(zhēng)度,集中度并沒(méi)有受其影響而產(chǎn)生顯著性變化;三、集中度與經(jīng)濟(jì)增長(zhǎng)之間存在長(zhǎng)期穩(wěn)定的負(fù)相關(guān)關(guān)系,在長(zhǎng)期則產(chǎn)生了從集中度到經(jīng)濟(jì)增長(zhǎng)的單向因果關(guān)系。
[Abstract]:Since the 1980s, with the recurrence and spread of the financial crisis, it has brought huge social and economic costs to the developing and developed countries, which has made the financial industry become the focus of global attention. The most important part of the financial sector is the central role of banks in the national economic growth drive. The changing structure of the banking market affects not only the development of individual banks, but also the growth of the economy as a whole. The economy can also adjust and promote the perfection of the banking market structure. Yunnan Province has achieved considerable economic development since the reform and opening up. As an important province in the development of border finance, Yunnan Province has been attached importance to and supported by the Party and the government in recent years. The development of the western region, the construction of bridgehead, the construction of the international financial center and the construction of the financial reform demonstration zone along the border have brought many development opportunities for Yunnan's economy. It is helpful to realize the coordinated development of the real economy, which is of great significance. Based on this, this paper begins to study the problems related to the market structure of the banking industry and economic growth in Yunnan Province. The purpose is to achieve two basic purposes: first, to comb the current situation of economic and banking development, to explore the relationship between the market structure of banks and economic growth, especially to analyze the interaction between the two in the actual situation, and to analyze the causes of the results; Second, based on the empirical results, the author puts forward some suggestions to adjust the banking market structure to match the economic situation in Yunnan Province. In order to form a benign development model and promote sustainable and efficient economic development. The main research ideas and core contents of this paper include: first, on the basis of combing the domestic and foreign research trends and related theories, to find a breakthrough. Secondly, it makes a comparative study on the domestic and foreign banking market structure, and analyzes the current situation of economic and banking development in Yunnan Province, and makes a judgment on the types of banking market structure in Yunnan Province. Based on the statistical data from 2000 to 2014, this paper discusses the relationship between banking concentration, competition and economic growth by means of econometric model, and analyzes the causes. Finally, combined with the relevant experience at home and abroad, the relationship between banking concentration and competition and economic growth is analyzed. The results show that: first, the banking market structure of Yunnan Province has changed from extremely high oligopoly to middle and lower centralized oligopoly; second, the degree of competition in Yunnan banking industry has been increased. The concentration degree has no significant change because of its influence. Thirdly, there is a long-term stable negative correlation between concentration degree and economic growth, and in the long run, there is a one-way causal relationship from concentration to economic growth.
【學(xué)位授予單位】：云南財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F832.3

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