Size Distribution of Banking and Liquidity Creation Efficiency
Based on an analysis of the size distribution characteristics of China's banking,this paper explores its potential impact on liquidity creation efficiency.The findings reveal a power-law distribution in the size of China's banking,showing a temporal trend of centralization followed by diversification.Small and medium-sized banks tend to be distributed diversely in space,while larger banks tend to concentrate.The diversified size distribution in the banking positively influences liquidity creation efficiency;Further analysis indicates that compared to larger banks,the diversified size distribution of small and medium-sized banks has a more significant impact on improving liquidity creation efficiency.Consequently,recommendations include improving banking access,guiding continued diversified development for better service to the real economy;Small and medium-sized banks deeply tap their scale and location advantages to strengthen market competitiveness,and jointly build a diversified banking size distribution system with detailed division of labor and wide coverage with large commercial banks;Pay attention to the size distribution of the banking to explore the optimal financial structure that adapts to the changes of different regions and economic development.
size of the bankbanking structureliquidity creation
万方数据
维普
