Application of regression function model based on panel data in bank resource allocation financial risk management
- Autores: Tonghui Ji, Alaa Omar Khadidos, Mohammed Yousef
- Localización: Applied Mathematics and Nonlinear Sciences, ISSN-e 2444-8656, Vol. 7, Nº. 2, 2022, págs. 181-192
- Idioma: inglés
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Resumen
Based on the traditional form of the endogenous growth model, and for it to increase the micro-foundation that includes thehomogeneous and representative bank resource allocation, this paper constructs an endogenous economic growth modelthat includes the investment structure of the residential sector and financial deepening. Using China’s prefecture-leveldata proves that due to the inherent difference between the central planner’s single equilibrium solution and the family’sdecentralised equilibrium solution, when the residential sector’s preference for real estate investment causes the investmentstructure to deviate from the optimal level of society, the increase in the proportion of real estate investment The allocationefficiency of financial resources has a significant inhibitory effect and drags down the realisation of long-term potentialeconomic growth. In the absence of a central planner in a market economy, increasing leverage may not mean financialdeepening, but may reduce financial efficiency (FEt) and accumulate systemic financial risks
