我国银行业格局已从集中发展态势进入结构性竞争时代.基于我国29个省区市(不含港澳台、海南省和西藏自治区)的平衡面板数据,构建动态面板模型,运用SYS-GMM分析,实证检验了以银行网点扩张为表征的结构性竞争对实体经济增长的影响.研究表明,银行结构性竞争对实体经济增长具有显著的促进效应.分产业检验表明,银行结构性竞争对第二产业和第三产业具有更为显著的正向影响.非线性检验显示,随着银行结构性竞争的进一步加剧,竞争与实体经济增长间呈现出显著的倒"U"形增长特征.通过深化银行业市场改革、完善中小银行治理、注重央地协同监管以及强化各类银行比较优势等举措,引导并推动各类银行主体从数量型竞争向质量型竞争转变,以最大化发挥银行结构性竞争的正外部性效应.
Promoting the high-quality development of consumer credit reporting industry is conducive to enhancing financial inclusion,promoting the effective operation of financial system,and contributing to the high-quality development of the overall economy.According to World Bank,China's consumer credit reporting industry is faced with strategic risk,operational risk,cyber risk,model risk,reputation risk,legal risk,and compliance risk.Credit reporting institutions should promote product and technology innovation to cope with market competition,improve technical level of personnel,update the infrastructure of credit reporting,and promote the continuity of business.Credit reporting institutions should also strengthen cyber security management and enhance responsiveness to risks,improve the transparency,explainability and fairness of models,strengthen data security and privacy protection,improve the dispute resolution mechanism,fulfill compliance obligations in accordance with laws and regulations,and improve the integrity of risk management measures.
On the basis of elaborating the mechanism of the coordinated development between finance and technology innovation,the evaluation system of the coupling coordination degree of the finance and technology innovation system is established.Based on the entropy weight method and the coupling coordination degree model,the coupling coordination status of the finance and technology innovation system in Henan Province from 2012 to 2021 is empirically analyzed.The results show:among the evaluation indexes of the finance and technology innovation system,the number of employees in finance,the depth of insurance,the proportion of technology expenditure and the three kinds of patent grants have greater weight;The overall development level of finance and innovation shows an increasing trend.The coupling coordination degree of finance and technology innovation system shows an increasing trend,and the coordination level develops from severe imbalance to good coordination.In view of this,policy suggestions are put forward to promote the coordinated development of the finance and technology innovation system and the legal risks of supervision are proposed.Meanwhile,a regulatory sandbox system is introduced to promote the coupling coordinated development of the two subsystems at a higher level and reduce the legal risks of financial technology innovation.
In the digital era,the innovative development of finance has put forward higher requirements for the circulation and transaction of credit data elements.In order to cultivate a compliant and orderly service environment for credit data elements,based on blockchain technology,this paper explores the path to build an integrated credit data element circulation and transaction system that adapts to the development of the digital economy.By establishing a trusted circulation mechanism for credit data elements,building a blockchain credit data sharing platform,constructing a trusted transaction service model for multi-party collaboration,and creating a compliant and efficient market operating environment,the orderly circulation and transaction of data elements can be achieved.Based on the successful practice of"Quancheng Chain",this paper proposes innovative ideas for building a provincial-level blockchain credit platform to build a new ecology of credit services in the digital era.
The"individual right"and"social obligation"of credit constitute the logical premise of legalization of credit right.When the credit right is legalized,the two-dimensional legal right basis of credit,the limited object capacity of credit right and the overload of the content require by the ontological right to credit,fundamentally affect the legal expression and nature orientation of credit right,and the logical presupposition of"credit right theory"in previous credit legalizations have increasingly troubled the legal definition of credit right.The certainty of the two-dimensional legal right mechanism of credit makes it necessary to rectify and position credit as a"compound right and obligation"(credit belongs to both rights and obligations).In the post-codification era,based on the nature of the"compound right and obligation"of credit,it is necessary to micro-adjust the content composition of the three-dimensional power of"retention-utilization-maintenance"of credit right,and systemically construct the"credit foundation obligation structure"with the prevention obligation and the exclusion obligation as the core,and the"credit derivative obligation structure"with the compulsory maintenance obligation as the internal.
