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与以往的文献不同,本文在研究我国银行中介发展与经济增长的关系时充分考虑了政府的主导因素。文章首先通过内生经济增长的框架下的动态一般均衡模型,分析了我国隐性担保下的银行业发展对经济增长的影响,并利用我国分省面板数据考察了我国隐性担保下的银行业发展与经济增长之间的关系。得出结论:我国隐性担保下的银行中介发展与我国的经济增长之间呈现明显的正相关;政府干预银行中介发展的经济增长效应为负,这种负效应主要是通过政府对银行规模的干预来实现的;同时我们发现银行中介效率的提高对经济增长的影响比通过增加银行中介规模更加有效。
Different from the previous literature, this paper fully considers the dominant factor of the government in the study of the relationship between bank intermediary development and economic growth in our country. First of all, through the dynamic general equilibrium model under the framework of endogenous economic growth, the article analyzes the impact of banking development under the implicit guarantee on economic growth in China, and uses the panel data of provinces to examine the banking industry under the implicit guarantee in China Relationship between development and economic growth. It concludes that the development of bank intermediary under the implicit guarantee in our country shows a significant positive correlation with the economic growth in our country. The economic growth effect of government intervention in the development of bank intermediary is negative. The negative effect is mainly through the government’s influence on the bank scale At the same time, we find that the increase of bank intermediary efficiency has more effect on economic growth than that of bank intermediary increase.