我国银行业市场竞争与经济增长关系研究

The Relationships between China's Banking Market Structure and the Growth of National Economy: An Empirical Study

通过建立时间序列模型检验了我国的银行业市场结构与我国经济增长的历史关系,发现我国的银行业市场集中度与我国经济增长呈现出显著的负相关关系。但通过格兰杰因果关系检验发现,银行业市场结构和经济增长之间没有因果关系。虽然我国资本投入和劳动投入过去与经济增长保持正相关关系,但是劳动力投入也不是经济增长的原因,意味着我国的劳动力投入产出存在规模递减的低效率问题。

This article is an examination of the diachronic correlation between the market structure of China＇s banking industry and the growth of national economy through the construction of a time series model. This examination indicates that the concentration ratio of China＇s banking market is inversely correlated to the growth of national economy. But Granger Causality Test suggests no causality between the structure of banking market and national economic growth, Although the input of capital and labor in China had a positive correlation with economic growth, labor input is currently not a cause of economic improvement, which implies that China＇s labor input and output is inefficient and bears the feature of decreasing return for increasing scale.