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

【摘要】：自20世紀80年代以來,隨著金融危機的復發(fā)和擴散,給發(fā)展中國家和發(fā)達國家?guī)砹司薮蟮纳鐣?jīng)濟代價,使金融業(yè)成為了全球關注的焦點,而金融業(yè)這一焦點中最為重要的部分則是銀行在國家經(jīng)濟增長動力中的核心作用。銀行業(yè)市場結構的變化不僅僅影響個別銀行的發(fā)展,還影響整個經(jīng)濟的增長。反過來,經(jīng)濟又能調整并促進銀行業(yè)市場結構的完善。云南省經(jīng)濟在改革開放以來實現(xiàn)了長足發(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,西部大開發(fā)、橋頭堡建設、國際金融中心建設、沿邊金融改革示范區(qū)建設等為云南經(jīng)濟帶來了諸多發(fā)展機遇。理清銀行業(yè)與經(jīng)濟增長之間相互作用的機理,有助于金融支持實體經(jīng)濟協(xié)調發(fā)展的實現(xiàn),意義深遠�；诖�,本文著手研究云南省銀行業(yè)市場結構與經(jīng)濟增長相關問題,旨在實現(xiàn)兩個基本目的:一是梳理經(jīng)濟和銀行業(yè)發(fā)展現(xiàn)狀,實證探求銀行市場結構與經(jīng)濟增長的關系,特別是分析二者在現(xiàn)實情況中的相互影響情況,并分析結果產(chǎn)生的原因;二是結合實證結果,提出適合云南省實際情況的調整建議,使銀行市場結構與經(jīng)濟相匹配,以期形成良性發(fā)展模式并促成經(jīng)濟的持續(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,在梳理國內(nèi)外研究動態(tài)和相關理論的基礎上,發(fā)現(xiàn)突破口,構建研究內(nèi)容和框架。其次,對國內(nèi)外銀行業(yè)市場結構進行比較研究,并對云南省經(jīng)濟和銀行業(yè)發(fā)展現(xiàn)狀進行分析,對云南省銀行業(yè)市場結構類型做出判定。再次,利用2000~2014年統(tǒng)計數(shù)據(jù),通過計量模型探討銀行業(yè)集中度與競爭度、經(jīng)濟增長之間的關系,并進行原因分析。最后,結合國內(nèi)外相關經(jīng)驗,提出政策建議供云南省參考。結果發(fā)現(xiàn):一、云南省銀行業(yè)市場結構已從極高寡占型轉向中下集中寡占型;二、增加云南省銀行業(yè)競爭度,集中度并沒有受其影響而產(chǎn)生顯著性變化;三、集中度與經(jīng)濟增長之間存在長期穩(wěn)定的負相關關系,在長期則產(chǎn)生了從集中度到經(jīng)濟增長的單向因果關系。
[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.
【學位授予單位】：云南財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.3

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