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本文主要从实质国内生产总值、贴现率,贸易开放和金融自由化的角度分析银行业发展的决定性因素，在分析的过程中以1970年到2007年的年度数据为主要依据。在这项研究中,流动负债,私人部门信贷和国内信贷是银行业发展的重要指标。本研究的研究结果表明贸易开放和银行业发展的负面关系。当银行业将私人部门信贷和国内信贷作为发展指标的时候，折现率对银行业的发展有着极其重大的影响;当流动负债和国内信贷作为银行业发展的指标的时候，实质国内生产总值的作用表现得极为重要。广义形式的数据被用于这项研究。

关键词:银行业发展,实质国内生产总值,贸易开放,折现率,金融自由化

前言

在过去的几年中,巴基斯坦的金融领域显示出了巨大的增长,然而仍有持续发展的必要性。巴基斯坦的金融部门由各种专业的金融机构,商业银行,发展类金融机构,微金融银行,伊斯兰银行,证券交易所和保险公司组成。因此，巴基斯坦的整个金融行业为他们的客户和顾客提供了广泛的产品和服务。

ABSTRACT

The objective of this paper is to examine the determinants of development of banking sector from the perspective of Real GDP, Discount rate, Trade openness and Financial Liberalization by using annual data from 1970 to 2007. In this study, Liquid Liabilities, Private sector credit and Domestic credit are used as indicator of banking sector development. The finding of this research shows negative relationship between Trade openness and development of banking sector development. Discount rate is having a significant impact on banking sector development when Private sector credit and Domestic credit is used as the indicator while Real GDP is found significant when Liquid Liabilities and Domestic credit is used as indicator of Banking sector Development. Generalized form of data has been used in this study.

Keywords: Banking Sector development, Real GDP, Trade openness, Discount Rate, Financial Liberalization

INTRODUCTION

The financial sector of Pakistan has shown a substantial growth in past few years, however there is still need for continuous development. The financial sector of Pakistan consists of a variety of specialized financial institutions – commercial banks, DFIs, NBFCs, micro finance banks, Islamic banks, Modarbas, Stock Exchange and Insurance companies. Thus the whole financial sector of Pakistan offers a wide range of products and services to its customers.

(Zaidi, 2005) states that growth of financial sector is significantly related with economic growth therefore, country needs well developed financial sector in order to fully utilize the financial resources. Banking system has a significant importance in financial market.

Banking Sector of Pakistan is an important financial intermediary and responsible for the economic growth in the country. In 1990, Denationalization of Government owned banks have changed the overall scenario of the banking sector of Pakistan. After the amendments in banking companies’ ordinance, Muslim Commercial Bank (MCB) and Allied bank Limited (ABL) were denationalized in 1991 and 1993 respectively. The process of denationalization remains suspended for numbers of years and was restarted in early 2000s, when United Bank Limited (UBL) was privatized. In 2004, Habib Bank Limited (HBL) was also denationalized and due to which, the asset share of public sector banks was reduced to 25% at that time. In the last decade, state bank of Pakistan has made several efforts in promoting the Is本论文由英语论文网提供整理，提供论文代写，英语论文代写，代写论文，代写英语论文，代写留学生论文，代写英文论文，留学生论文代写相关核心关键词搜索。