| 论银行风险与信贷环境的关系以及对我国银行业的启示 |
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| 引用本文： | 关涛,周海燕.论银行风险与信贷环境的关系以及对我国银行业的启示[J].海南金融,2005(12):24-27. |
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| 作者姓名： | 关涛 周海燕 |
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| 作者单位： | 1. 复旦大学应用经济学博士后流动站,上海市,200433
2. 浙江新大集团,浙江,杭州,310006 |
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| 摘 要： | 通过对经济周期、金融危机和银行行为三者之间的关系进行考察发现:银行的风险水平以不对称的方式反映了信贷市场环境的变化。一般而言,当信贷市场环境出现恶化时,资本充足率和功能分散化程度较高的银行表现出较低的敏感度。这一结论对于我国银行业的改革有着重要启示。
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| 关 键 词： | 银行风险 信贷市场环境 资本充足率 全能银行 |
| 文章编号： | 1003-9031(2005)12-0024-04 |
| 收稿时间： | 09 26 2005 12:00AM |
| 修稿时间： | 2005年9月26日 |
Analysis on Banking Risk and Credit Market Conditions and the Meaning Our Country |
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| GUAN Tao,ZHOU Hai-yan.Analysis on Banking Risk and Credit Market Conditions and the Meaning Our Country[J].Hainan Finance,2005(12):24-27. |
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| Authors: | GUAN Tao ZHOU Hai-yan |
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| Institution: | 1. Fudan University Postdoctoral Center of Applied Economics, Shanghai 200433,China; 2.Exporting Dept. Zhejiang XinDa Group, Hangzhou 310002,China |
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| Abstract: | This paper considers the relation between the risk level of bank operation and the credit market conditions which are decided by the business cycles. It develops a argument for the existence of asymmetries in bank risk against the change in credit market conditions. Better capitalized and functionally diversified banks are better protected against a deterioration in credit market Conditions. The argument has much important meaning for the reform and development of banking in our country. |
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| Keywords: | Bank Risk Credit Market Conditions Capital Adequacy Financial Conglomerates |
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