成渝双城经济圈经济发展与银行业高质量发展

Economic Development of the Chengdu-Chongqing Dual-City Economic Circle and the High-Quality Development of the Banking Industry

摘要: 随着“成渝地区双城经济圈”的提出，商业银行应准确把握成渝双城经济圈建设在综合金融、零售金融、绿色金融、数字化转型等方面带来的发展机遇，优化资源配置，提升金融服务质效。文章立足于成渝双城经济圈这一区域，审慎测算了各城市银行业高质量发展水平，并构建了成渝双城经济发展与银行业高质量发展之间的理论框架，厘清了“经济发展”与“银行业高质量发展”之间的内在逻辑联系。研究表明，在2003年到2022年这一考察期内，成渝双城经济圈内大多数城市银行业高质量发展水平呈现显著提高，其影响作用在2015~2022年期间和大型城市中更为显著。

Abstract: With the proposal of “Chengdu-Chongqing Dual-City Economic Circle”, commercial banks should accurately grasp the development opportunities brought by the construction of the Chengdu-Chongqing Dual-City Economic Circle in comprehensive finance, retail finance, green finance, digital transformation, and other aspects, optimize resource allocation, and improve the quality and efficiency of financial services. Based on the area of the Chengdu-Chongqing Dual-City Economic Circle, this paper carefully calculates the high-quality development level of the banking industry in each city, constructs the theoretical framework between the economic development of the Chengdu-Chongqing Dual-City Economic Circle and the high-quality development of the banking industry, and clarifies the internal logical relationship between “economic development” and “high-quality development of banking industry”. The research shows that during the investigation period from 2003 to 2022, the high-quality development level of the banking industry in most cities in the Chengdu-Chongqing Dual-City Economic Circle has increased significantly, and its impact is more significant in 2015~2022 and large cities.