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我国商业银行信贷亲周期性与逆周期监管政策探析
引用本文:李铭. 我国商业银行信贷亲周期性与逆周期监管政策探析[J]. 内蒙古财经学院学报, 2012, 0(1): 60-64
作者姓名:李铭
作者单位:新疆财经大学金融学院,新疆乌鲁木齐,830012
摘    要:伴随着宏观经济前进的步伐,我国银行业市场化进程也在加速,商业银行取得了巨大发展,同时其顺周期性也逐步凸显。本文用实证分析验证了我国商业银行信贷的亲周期性。在世界各国实施宏观审慎监管政策的背景下,我国商业银行的逆周期监管就显得尤其重要。

关 键 词:商业银行  信贷  亲周期  逆周期监管

On the Supervision of Chinese Commercial Bank Credit Pro-Cyclicality and Conversion Period
Li Ming. On the Supervision of Chinese Commercial Bank Credit Pro-Cyclicality and Conversion Period[J]. Journal of Inner Mongolia Finance and Economics College, 2012, 0(1): 60-64
Authors:Li Ming
Affiliation:Li Ming (Xinjiang University of Finance and Economics,Xinjiang,Urumchi,830012)
Abstract:With the progress of macro economy,the marketization of Chinese commercial banks is developing rapidly.Meanwhile,their pro-cyclicality is more and more obvious.Through empirical analysis,this paper tests and verifies Chinese commercial bank pro-cyclicality.Now countries all over the world are implementing macro prudential regulation.Under this background,Chinese commercial bank credit conversion period is becoming more important.
Keywords:commercial bank  credit  pro-cyclicality  conversion period supervision
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