热带地理 ›› 2020, Vol. 40 ›› Issue (4): 709-720.doi: 10.13284/j.cnki.rddl.003235
收稿日期:
2019-07-22
修回日期:
2020-01-21
出版日期:
2020-07-31
发布日期:
2020-08-11
通讯作者:
贺灿飞
E-mail:lizhenfa@pku.edu.cn;hecanfei@urban.pku.edu.cn
作者简介:
李振发(1993—),男,满族,河北承德人,硕士研究生,研究方向为经济地理与城市发展,(E-mail)基金资助:
Zhenfa Li1(), Wensheng Lin3, Yaling Ye1, Canfei He2(
)
Received:
2019-07-22
Revised:
2020-01-21
Online:
2020-07-31
Published:
2020-08-11
Contact:
Canfei He
E-mail:lizhenfa@pku.edu.cn;hecanfei@urban.pku.edu.cn
摘要:
基于银监会提供的商业银行分支机构地理分布数据,设计计量模型研究了2005—2017年中国金融包容的时空间差异,重点关注在基本实现分支机构城乡全覆盖(地理包容)的前提下,银行是否真正提升金融服务的普及程度,从而带动业务层面的金融包容。结果发现,各类银行分支机构的设立的确提升了民众金融服务使用率,地理包容对业务包容具有促进作用,但不同地区起作用的银行种类差异明显,且各类银行的促进作用也在不同时期显现。研究期内,在东部地区,主要是全国性股份制商业银行和外资商业银行持续地提升了业务层面的金融包容水平;在东北地区,大型国有商业银行和城市商业银行扮演了上述角色,但后者的促进作用略晚于前者出现;在中部地区大型国有商业银行和全国性股份制商业银行起持续性的促进作用;而在西部地区则是大型国有商业银行和农村商业银行的促进效应明显,但后者显现促进作用大幅晚于前者。
中图分类号:
李振发, 林文盛, 叶雅玲, 贺灿飞. 中国金融包容区域差异:地理包容能否带动业务包容?[J]. 热带地理, 2020, 40(4): 709-720.
Zhenfa Li, Wensheng Lin, Yaling Ye, Canfei He. Regional Disparity of Financial Inclusion in China—Determining the Relationship between Geographical Inclusion and Business Inclusion[J]. Tropical Geography, 2020, 40(4): 709-720.
表1
地理包容对业务包容促进关系的区域分析"
区域 | 变量 | 2005—2008年 | 2009—2012年 | 2013—2017年 | 区域 | 变量 | 2005—2008年 | 2009—2012年 | 2013—2017年 |
---|---|---|---|---|---|---|---|---|---|
东 部 地 区 | l.loanbal | 0.551* | -0.264* | 0.566*** | 东 北 部 地 区 | l.loanbal | 1.027*** | 0.473* | 0.064 4* |
soe | 0.095 8 | 0.713*** | 0.146 | soe | 0.078 7* | 0.592** | 0.984*** | ||
thiprop | -0.699** | 0.237 | 0.217** | thiprop | 0.223 | 0.306** | 0.480** | ||
pergdp | -0.413* | 0.843 | 0.114* | pergdp | 0.347** | 0.818** | 0.019 9 | ||
eduprop | 0.529** | 0.0618 | 0.031 8 | eduprop | -0.166* | 0.068 | 0.314** | ||
phoneprop | 0.23 | -0.571 | -0.185 | phoneprop | -0.373 | -1.132** | 0.086 | ||
urban | 0.023 5 | 0.167** | 0.053 1 | urban | 0.005 86 | 0.101* | 0.226* | ||
rural | 0.038 0* | 0.086 0** | 0.040 1 | rural | 0.017 8 | 0.003 17 | 0.000 496 | ||
stock | 0.105* | 0.168** | 0.102*** | stock | 0.003 12 | -0.050 1 | -0.090 6 | ||
foreign | 0.099 3* | 0.208*** | 0.098 9* | foreign | — | — | — | ||
_cons | 15.62** | 5.95 | 4.017** | _cons | -6.124* | -4.722 | 8.659*** | ||
N/个 | 255 | 258 | 345 | N/个 | 106 | 111 | 141 | ||
西 部 地 区 | l.loanbal | 1.191*** | 0.506** | 0.296* | 中 部 地 区 | l.lnloanbal | -0.004 52 | 0.786*** | 0.044** |
soe | -0.108 | 0.357** | 0.373*** | lnsoe | 0.369*** | 0.075 7* | 0.762*** | ||
thiprop | 0.053 9 | -0.017 6 | 0.349*** | lnthiporp | -0.553*** | -0.106*** | 0.224 | ||
pergdp | 0.079 5 | -0.505** | 0.002 36 | lnpergdp | -0.340** | -0.225* | 0.219** | ||
eduprop | -0.119 | 0.078 5 | 0.353*** | lneduprop | 0.047 | 0.015 1 | -0.191 | ||
phoneprop | -0.022 | 1.019** | -0.031 1 | lnphoneprop | 0.438*** | 0.422* | 0.040 7 | ||
urban | 0.009 1 | -0.006 56 | 0.022 | lnurban | 0.069 5** | 0.002 38 | 0.109* | ||
rural | -0.004 95 | -0.001 3 | 0.040 3* | lnrural | 0.001 65 | 0.007 14 | -0.064 2 | ||
stock | -0.034 | 0.098 2 | 0.070 6 | lnstock | 0.477*** | 0.070 9** | 0.246*** | ||
foreign | — | — | — | foreign | — | — | — | ||
_cons | -3.691 | 11.80*** | 9.564*** | _cons | 18.73*** | 5.956** | 6.971*** | ||
N/个 | 186 | 229 | 325 | N/个 | 230 | 236 | 314 |
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