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    经济经纬 2026 Issue (2) :145-160
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    银行业竞争是否促进了新质生产力发展？
贺唯唯1, 张亚斌2
1.湖南财政经济学院经济学院,湖南 长沙 410205;
2.湖南大学经济与贸易学院,湖南 长沙 410079
    Does Banking Competition Facilitate the Development of New Quality Productive Forces?
    HE Weiwei1, ZHANG Yabin2
1. School of Economics, Hunan University of Finance and Economics, Changsha 410205, China;
2. School of Economics and Trade, Hunan University, Changsha 410079, China
摘要
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摘要 利用2011—2021年中国284个地级及以上城市面板数据,探讨银行业竞争影响新质生产力发展的效应。研究发现:银行业竞争将促进新质生产力发展,且该结论具有稳健性;银行业竞争对新质生产力的促进作用在东部地区、经济繁荣时期以及高市场化水平地区均高于中西部地区、经济收缩时期以及低市场化水平地区;机制检验表明,银行业竞争通过优化资本要素配置、增加信贷供给、激活风险投资等途径促进了新质生产力;而进一步分析表明,要素禀赋改善将放大银行业竞争对新质生产力的促进作用;五大商业银行市场份额增加将削弱银行业竞争对新质生产力的促进作用,股份制银行、城市商业银行市场份额增加将增强银行业竞争对新质生产力的促进作用;放松金融监管同样能够放大银行业竞争对新质生产力的促进作用。
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贺唯唯
张亚斌
关键词： 银行业竞争   新质生产力   资本要素配置   信贷资源供给   风险投资     
Abstract： Based on the panel data of 284 prefecture-level and above cities in China from 2011 to 2021, this study explores the effect of banking competition on the development of new quality productive forces. The results show that competition in the banking sector fosters the development of new quality productive forces, and this conclusion remains robust. The promoting effect of banking competition on new quality productive forces is stronger in eastern regions, periods of economic prosperity and in highly marketized areas, compared to those in central and western regions, economic contraction periods and low marketization areas. The mechanism test indicates that competition in the banking sector has promoted new quality productive forces by optimizing the allocation of capital factors, increasing credit supply and stimulating venture capital, etc. Further analysis demonstrates that improving factor endowments amplifies the promoting effect of banking competition on new quality productive forces. An increase in the market share of the five major commercial banks weakens this effect, while an increase in the market share of joint-stock banks and city commercial banks strengthens it. Moreover, relaxing financial regulation can also amplify the role of banking competition in promoting new quality productive forces.
Keywords： Banking Competition   New Quality Productive Forces   Capital Element Allocation   Credit Supply   Venture Capital     
收稿日期 2025-03-13; 接受日期 ;
基金资助:国家社会科学基金重大项目(18ZDA068);湖南省社会科学基金一般项目(24YBA065)
通讯作者 贺唯唯(1990— ),男,侗族,湖南怀化人,博士,副教授,主要从事国民经济与区域发展研究。   
作者简介: 张亚斌(1965— ),男,湖南岳阳人,博士,教授,博士生导师,主要从事产业经济与技术进步研究。
引用本文:   
贺唯唯, 张亚斌.银行业竞争是否促进了新质生产力发展？[J].  经济经纬, 2026,2: 145-160
HE Weiwei, ZHANG Yabin.Does Banking Competition Facilitate the Development of New Quality Productive Forces?[J]  Economic Survey, 2026,V43(2): 145-160
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