| 准备金率和资本充足率影响商业银行贷款规模的机制分析 |
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| 引用本文： | 杜荣耀,胡海鸥.准备金率和资本充足率影响商业银行贷款规模的机制分析[J].上海金融,2011(1). |
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| 作者姓名： | 杜荣耀 胡海鸥 |
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| 作者单位： | 上海交通大学,上海,200052 |
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| 摘 要： | 货币银行传统理论认为:货币当局以准备金率控制贷款规模,以资本充足率控制贷款风险。本文从分析准备金与资本充足率对贷款规模的约束机制入手,引入银行资产负债表模型,证明银行贷款规模主要受资本充足率影响。研究结论是:准备金率对贷款规模的控制作用已经弱化,资本充足率对贷款规模的控制作用趋强。
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| 关 键 词： | 贷款规模 准备金率 资本充足率 |
On the Affecting Mechanism of Reserve Ratio and Capital Adequacy Ratio on Size of Loans of Commercial Banks |
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| Du Rongyao,Hu Hai'ou.On the Affecting Mechanism of Reserve Ratio and Capital Adequacy Ratio on Size of Loans of Commercial Banks[J].Shanghai Finance,2011(1). |
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| Authors: | Du Rongyao Hu Hai'ou |
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| Institution: | Du Rongyao/ Hu Hai'ou |
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| Abstract: | Traditional theories of money and banking are that: required reserve ratio is the main tool for monetary authorities to control the size of loans and capital adequacy ratio is the tool to control credit risks.By analyzing respectively the affecting mechanism of reserve ratio and capital adequacy ratio on loan size in modern financial environment,this paper introduces a balance sheet model of commercial banks and proves that the size of bank loans is mainly affected by capital adequacy ratio in modern financ... |
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| Keywords: | Size of Loan Reserve Ratio Capital Adequacy Ratio |
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