摘要
立足于企业周边特定空间尺度上银行分支机构网点空间分布的视角,考察金融地理扩张对企业成本加成率的影响机制和作用效果。研究发现:企业周边1公里、5公里和10公里范围内银行分支机构数量对企业成本加成率具有显著的正向影响,即金融地理扩张有助于促进企业成本加成率的提升;但是这一提升作用在15公里尺度上不再显著,说明金融地理扩张对企业成本加成率的影响效应存在着空间衰减性。机制检验发现,金融地理扩张主要通过成本降低效应、创新引致效应和市场结构效应三个方面影响企业的成本加成率。国有商业银行分支机构扩张对于企业加成率的提升作用并不显著;但是在距离企业较近的空间范围内,非国有商业银行对于企业成本加成率的提升作用更明显。此外,金融地理扩张有助于提升资本密集型企业、中小企业和民营企业的成本加成率,对劳动密集型企业、大企业和国有企业的影响效应不显著。研究结论为破解中国企业低加成率之谜提供了新的视角。
Based on the perspective of the spatial distribution of bank branches and outlets on the specific spatial scale around the enterprise,this paper examines the impact mechanism and effect of financial geographic expansion on the enterprises'cost-plus rate.The study finds that the number of bank branches within 1km,5km and 10km around the enterprise have a significant positive impact on the cost-plus rate,that is,the expansion of financial geography helps to promote the increase of the enterprises'cost-plus rate;However,the promoting effect is no longer significant at the scale of 15km,indicating that the impact has a spatial decay.The mechanism test finds that the impact between the two mainly through cost reduction effect,innovation-induced effect and market structure effect.The expansion of branches of state-owned commercial banks does not have a significant effect on increasing the cost-plus rate of enterprises;However,in the spatial range closer to the enterprise,non-state-owned commercial banks have a more significant effect.In addition,the expansion of financial geography helps to increase the cost-plus rate of capital-intensive,small,and medium-sized enterprises and private enterprises,but no significant impact on labor-intensive,large and state-owned enterprises.This study provides a new explanation for the mystery of the low cost-plus rate of Chinese enterprises.
作者
宋凯艺
卞元超
SONG Kaiyi;BIAN Yuanchao(Nanjing Xiaozhuang University,Business School,Nanjing 211171,China;Nanjing Normal University,Business School,Nanjing 210023,China)
出处
《南京审计大学学报》
北大核心
2025年第4期90-101,共12页
Journal of Nanjing Audit University
基金
国家自然科学基金青年项目(72203107)
教育部人文社会科学研究项目青年基金项目(23YJC790113)
江苏省社会科学基金项目青年项目(23EYC023)
江苏省高校哲学社会科学一般项目(2022SJYB0596)。
