银行分支机构、经济增长与城乡收入差距

本文基于VAR模型,运用协整检验、误差修正模型和格兰杰因果检验实证分析了银行分支机构变动对经济增长和城乡收入差距的长短期影响。研究结果表明：一是精简银行分支机构数量长期有利于我国经济增长,但是短期效果不显著,1998年后推动的国有商业银行分支机构撤并改革对于促进我国的经济增长有重要意义;二是精简银行分支机构数量长期来看会扩大城乡收入差距,在短期内精简银行分支机构却有利于城乡收入差距的缩小;三是1998年的国有银行机构调整是一种＂制度性进步＂。因此,需要进一步深化我国银行机构改革,在提升银行机构经营效率的同时,加大对农村地区的银行机构布局力度。

Bank Branches,Economic Growth,and Urban-rural Income Gap

Based on the VAR model, using the Co integration test, Error correction model and Granger causality test, the paper analyzes the short-term and long-term effect of the changes of bank branches impacting on economic growth and the urban-rural income gap. The results show that： firstly, the bank branches downsizing is conducive to China＇ s economic growth in long-term, but the short-term effect is not significant. The reform of state-owned commercial bank branches since 1998 has important significance for promoting China＇ s economic growth. Secondly, the bank branches downsizing will expand the urban-rural income gap in the long run, but in the short run it is advantageous to the narrowing of the urban-rural income gap. Thirdly, the restructuring of state-owned banks in 1998 was a kind of ＂institutional progress＂. Therefore, we need to deepen the reform of the banking institutions in China, enhance the management efficiency, at the same time increase the intensity of layout of banking institutions in rural areas.