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?

本文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，使用中国60家城市商业银行2001-2010年数据，实证研究表明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提升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；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，而且西部的影响程度大于东部地区。

This paper firstly studies the relationship between the diversity of fi- nancial services in urban commercial banks and population 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 appears in 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.