CAJ | 학술논문

本文以银行结构为例,实证分析了我国金融发展的内生性问题。分析的结果表明,非国有经济的发展是我国银行结构变化的原因,中小民营企业的发展促进了中小银行的发展。而从我国金融发展的实际情况看,金融改革的推进和金融结构的调整都是适应实体经济发展要求的,因此我国的金融体系表现出了较强的内生性。由于内生性的金融体系在经济结构调整中难以发挥其应有的作用。基于此,本文提出了重构金融体系、强化金融供给外生性的政策建议,从而充分发挥金融体系在经济结构调整中的作用。
본문이은행결구위례,실증분석료아국금융발전적내생성문제。분석적결과표명,비국유경제적발전시아국은행결구변화적원인,중소민영기업적발전촉진료중소은행적발전。이종아국금융발전적실제정황간,금융개혁적추진화금융결구적조정도시괄응실체경제발전요구적,인차아국적금융체계표현출료교강적내생성。유우내생성적금융체계재경제결구조정중난이발휘기응유적작용。기우차,본문제출료중구금융체계、강화금융공급외생성적정책건의,종이충분발휘금융체계재경제결구조정중적작용。
Taking bank structure for an example,the paper empirically tests the endogeneity of financial development in China.The conclusion shows that the development of non-state economy is the reason for the change of bank structure.From the view of financial development,the revolution of financial system and the adjustment of financial structure are both adaptive to the development of real economy.So the financial system in China is highly endogenous.The endogenous financial system might fail to paly its role in the adjustment of economic structure.In order to make the financial system helpful in the adjustment of economic structure,the paper makes some suggestions on the reconstruction of financial system and the strengthening of exogeneity of financial supply.