贵州财经大学学报

›› 2017 ›› Issue (04): 56-65.

• 金融证券 • 上一篇    下一篇

存款利率市场化对银行创新能力的影响研究——基于股权结构与区域差异视角

吴成颂, 郭开春, 张文睿   

  1. 安徽大学 商学院, 安徽 合肥 230601
  • 收稿日期:2016-10-27 出版日期:2017-07-15 发布日期:2017-07-31
  • 作者简介:吴成颂(1968—),男,安徽怀宁人,安徽大学商学院副院长,教授,博士,博士生导师,研究方向为投资项目管理,金融市场;郭开春(1992—),男,安徽天长人,安徽大学商学院硕士研究生,研究方向为金融市场,银行治理;张文睿(1993—),男,安徽合肥人,安徽大学商学院硕士研究生,研究方向为投资项目管理。
  • 基金资助:

    国家社会科学基金项目"利率市场化背景下商业银行系统性风险诱发及传染机制研究"（项目编号：16BGL051）阶段性研究成果。

Analysis of the Influence on Banks' Innovation Ability from the Marketization of Deposit Interest Rate: Based on the Angle of Ownership Structure and Regional Difference

WU Cheng-song, GUO Kai-chun, ZHANG Wen-rui   

  1. School of Business, Anhui University, Hefei Anhui 230601, China
  • Received:2016-10-27 Online:2017-07-15 Published:2017-07-31

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摘要： 选取40家城市商业银行2008—2014年度数据建立非平衡面板进行OLS回归检验，研究了存款利率市场化与银行创新能力之间的关系效应，并从股权结构和区域差异视角分析了存款利率市场化对银行创新能力的影响效果。研究表明：（1）存款利率市场化对银行创新能力具有显著的正向影响，即存款利率市场化能够对银行的金融创新行为形成"倒逼机制"；（2）在存款利率市场化进程中，国有控股城商行的创新能力高于民营控股的城商行，同时存在境外投资者持股的城商行创新能力高于没有外资持股的城商行；（3）较东部地区来说，存款利率市场化对城商行创新能力的"倒逼"激励作用在中西部地区更为显著。

关键词: 存款利率市场化, 创新能力, 股权结构, 区域差异, 城市商业银行

Abstract: Using an unbalanced panel data of 40 China's city commercial banks from 2008—2014 with ordinary least squares regression method. This paper studies the relationship between the marketization of deposit interest rate and banks' innovation ability, and analyzes the effect of deposit interest rate marketization on bank innovation ability from the perspectives of ownership structure and regional differences. The conclusion is that the marketization of deposit interest rate has a positive effect on the innovation ability of banks. That is to say, the marketization of deposit interest rate can form a "forcing mechanism" on the financial innovation behavior of banks. In addition, the financial innovation ability of state-owned commercial banks is higher than that of private commercial banks in the process of marketization of deposit interest rate. At the same time, innovation capacity of the city commercial banks holding foreign investors is higher than that of non-foreign ones.And in comparison with the eastern region, the incentive effect of deposit interest rate marketization on the innovation ability of city commercial banks is more significant than the central and western regions. Therefore, the city commercial banks should respond positively to the interest rate risk through an active financial innovation behavior after giving full consideration to their own reality.

Key words: marketization of deposit interest rate, innovation capability, ownership structure, regional difference, city commercial bank

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