摘要
本文基于我国2008—2015年65家商业银行的面板数据,从银行效率的独特视角对银行存款人市场约束的有效性进行经验研究。研究结果表明:存款价格约束和个人定期存款数量约束能够促进银行成本效率的提高;公司存款没有发挥有效的市场约束效应;未保险存款对银行效率有一定影响,但没有发挥正向积极约束效应;隐性存款保险制度不利于存款人市场约束效应的发挥;信息披露有助于存款人市场约束作用的发挥;银行成本效率存在显著的规模经济效应。
Based on the panel data of 65 commercial Banks from 2008 to 2015 in China,This paper empirically investigates whether the depositors market discipline is effective with a unique angle of bank efficiency. The results show that: the price discipline of deposit and the quantity discipline of personal time deposits can improve the cost efficiency of banks; corporate deposits do not exert effective market discipline effect; uninsured deposits have a certain effect on bank efficiency,but it does not exert positive restraint effect; the implicit deposit insurance system that harms the depositors market discipline; the information disclosure can help the depositors market discipline; the cost efficiency of banks have a significant economies of scale.
出处
《财经问题研究》
CSSCI
北大核心
2018年第5期68-74,共7页
Research On Financial and Economic Issues
基金
国家自然科学基金面上项目"跨市场风险传递的非对称多重分形DCCA方法构建及其应用研究"(71371100)
国家社会科学基金重大项目"中国社会应急救援服务体系建设研究"(16ZDA054)
关键词
商业银行
存款人
市场约束
成本效率
银行绩效
commercial banks
depositors
market discipline
cost efficiency
bank performance
