Empirical Study On The Impact Of Banking Structure On Regional Economic Growth In Beijing-Tianjin-Hebei Region

With the implementation of the Beijing-Tianjin-Hebei coordinated development strategy,the economy of the Beijing-Tianjin-Hebei region has developed relatively rapid in recent years.It has created nearly 10% of the total domestic production with 2% of the country's land area and 7.89% of the total population.Such brilliant achievements benefit from the support and cooperation of national policies and the coordinated development of various resources.In February 2014,General Secretary Xi Jinping proposed to realize the coordinated development of the Beijing-Tianjin-Hebei region for the first time,hoping to give full play to their respective comparative advantages and achieve common progress while promoting the economic development of the Beijing-Tianjin-Hebei region.The reason why the Beijing-Tianjin-Hebei region is designated as the "Capital Economic Circle" is the geographical locations of the three cities are adjacent to each other.Not only can the industry be able to do a good job of docking,but it can also be better integrated in the humanities.It can promote regional cooperation development to the greatest extent.Therefore,how to further promote the coordinated development of Beijing,Tianjin and Hebei has become the hot topic of the moment.Since China's implementation of the financial system reform in 1993,China's financial system has gradually improved,and it has played an active role in promoting economic development.As a pillar industry of China's financial system,the banking industry is also continuously carrying out its own deepening reforms.Since 1994,China has started commercialization of the banking industry,gradually breaking the monopoly of the state-owned banks,and forming a variety of commercial banks coexisting.Form,which greatly promoted the development of the banking industry.In view of the current economic situation,what kind of banking structure can promote economic growth has become the focus of everyone's attention.Therefore,this paper uses the data from 1995 to 2015 to conduct empirical studies on the three regions of Beijing,Tianjin,and Hebei.It is hoped that by combining the theoretical research of existing scholars and empirical research using the latest data,we can jointly discuss what kind of banking structure is more conducive to economic growth in the Beijing-Tianjin-Hebei region.The main research object of this article is the Beijing-Tianjin-Hebei region.After sorting out the theoretical research viewpoints of existing scholars,the per capita gross d omestic product(PGDP)and loan concentration(CRL)are selected as the main analysis indicators,and the data are reasonable.After processing,conduct an empirical analysis.Through theoretical research and empirical analysis,we concluded that the appropriate reduction in bank concentration in the Beijing-Tianjin-Hebei region will promote economic growth in the region,and at the end put forward specific policy recommendations.