银行业规模分布与流动性创造效率

Size Distribution of Banking and Liquidity Creation Efficiency

基于中国银行业规模分布的特征事实,考察银行业规模分布对流动性创造效率的潜在影响,研究发现:中国银行业规模分布表现出幂律分布特征,且时间上呈现先集中化后多元化的趋势,空间上中小银行的分布趋于多元化,较大规模的银行趋于集中;多元化的银行业规模分布提升了流动性创造效率;进一步分析表明,相较于较大规模的银行,中小银行规模分布趋于多元化对于提升流动性创造效率更为显著。据此,应完善银行业准入政策,继续引导银行业的规模多元化发展,更好地服务实体经济;中小银行应深入挖掘其规模与区位优势,强化市场竞争力,与大型商业银行共同构建细分工、广覆盖的多元化银行业规模分布体系;相关部门应关注银行业规模分布情况,积极探索适应不同地区与经济发展变化的最优金融结构。

Based on an analysis of the size distribution characteristics of China's banking,this paper explores its potential impact on liquidity creation efficiency.The findings reveal a power-law distribution in the size of China's banking,showing a temporal trend of centralization followed by diversification.Small and medium-sized banks tend to be distributed diversely in space,while larger banks tend to concentrate.The diversified size distribution in the banking positively influences liquidity creation efficiency;Further analysis indicates that compared to larger banks,the diversified size distribution of small and medium-sized banks has a more significant impact on improving liquidity creation efficiency.Consequently,recommendations include improving banking access,guiding continued diversified development for better service to the real economy;Small and medium-sized banks deeply tap their scale and location advantages to strengthen market competitiveness,and jointly build a diversified banking size distribution system with detailed division of labor and wide coverage with large commercial banks;Pay attention to the size distribution of the banking to explore the optimal financial structure that adapts to the changes of different regions and economic development.