农村银行业结构与中小企业生成——基于中国县域面板数据的经验证据

基于新型农村金融机构创新这一重要的研究背景,运用中国2006-2010年1 694个县(市)的面板数据,对农村银行业市场结构与中小企业生成之间的关系进行研究。结果表明:农村银行业集中度的下降有利于中小企业的生成,并且随着农村金融的发展,加速了中小企业的生成。稳健性检验结果也支持了这一结论。为推动中国县域经济的增长,提出了降低农村银行业市场集中度,促进中小企业生成的政策建议。

Rural Banking Structure and Generation of Small and Medium-size Enterprises——Empirical Evidence Based on China＇s County Panel Data

Based on the important research background on innovation ot new rural financial restitu- tions, this paper uses panel data from China＇s 1694 counties （cities） between 2006 and 2010 to empirical- ly study the relationship between rural banking market structure and generation of small and medium- size enterprises. The result shows that decreasing of rural banking concentration is conducive to the for- mation of small and medium-size enterprises. And with the development of rural finance, the decline of rural banking concentration accelerates the formation of small and medium-size enterprises. In order to promote the growth of China＇s county economy, this paper puts forward several corresponding policy suggestions on how to reduce rural banking market concentration and promote the formation of small and medium-size enterprises.