| 我国货币政策对银行贷款行为分析 |
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| 引用本文： | 李树生.我国货币政策对银行贷款行为分析[J].对外经济贸易大学学报,2011(6):40-49. |
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| 作者姓名： | 李树生 |
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| 作者单位： | 首都经济贸易大学,北京100070 |
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| 基金项目： | 本文选自中国保监会2009年《社会主义新农村建设与“三农”金融制度创新研究》课题. |
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| 摘 要： | 分析了我国近几年在不同经济形势下，所实施的货币政策工具（贷款基准利率和存款准备金率）与商业银行贷款的关系，并用格兰杰因果检验和回归分析论证了贷款基准利率和存款准备金率尤其是贷款基准利率对银行贷款行为有重要的调控作用。
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| 关 键 词： | 货币政策 银行货款 商业银行 |
Analysis on Impact of China＇ s Monetary Policy on Bank Lending Behavior |
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| Authors: | LI Shu-sheng |
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| Institution: | LI Shu-sheng |
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| Abstract: | This paper analyzes the relation between monetary policy tools of government （benchmark interest rate for loan and deposit reserve ratio） and lending behavior of commercial bank under different economic circumstances in the past few years, and Granger causality test and regression analysis demonstrates that benchmark interest rate for loan and the deposit reserve ratio, especially the latter one plays an important regulating role in bank lending behavior. |
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| Keywords: | Monetary policy Bank lending behavior Commercial bank |
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