本文關鍵詞： 金融危機 銀行信貸 信貸擴張　出處：《武漢大學學報(哲學社會科學版)》2011年02期 　論文類型：期刊論文

【摘要】：2008-2009年的金融危機中,我國商業(yè)銀行的信貸規(guī)模急劇擴張,呈現出典型的逆經濟周期特征。究其原因,現有經濟增長模式下的高投資、量化寬松的貨幣信貸政策、救市背景下的道義壓力和社會責任、行業(yè)競爭下的規(guī)模擴張沖動以及上市背景下的盈利壓力,是導致我國商業(yè)銀行信貸規(guī)模急劇擴張的動力機制。天量的信貸資金投放有可能給銀行業(yè)自身的長期發(fā)展帶來一系列潛在的不利影響。這包括:地方信貸風險上升、現有盈利模式的固化、信貸風險的高度集中、風險緩釋能力的削弱、資本充足壓力的上升、可持續(xù)的信貸擴張能力受到約束以及盈利能力減弱等。因此,強化銀行信貸監(jiān)管、合理引導信貸資金投向、積極化解銀行業(yè)系統(tǒng)性信貸風險理應成為后危機時代銀行監(jiān)管的當務之急。
[Abstract]:During the financial crisis of 2008-2009, the credit scale of commercial banks in our country expanded rapidly, showing the characteristic of typical reverse business cycle. The reason is the high investment under the current economic growth mode. The monetary and credit policy of quantitative easing, moral pressure and social responsibility in the context of rescuing the market, the impulse of scale expansion under industry competition and the pressure of profit under the background of listing. It is the driving mechanism that leads to the rapid expansion of the credit scale of commercial banks in China. The investment of credit funds in China is likely to bring a series of potential adverse effects to the long-term development of the banking industry. This includes:. Local credit risk rises. The existing profit model is solidified, the credit risk is highly concentrated, the risk mitigation ability is weakened, the capital adequacy pressure rises, the sustainable credit expansion ability is restricted and the profitability is weakened. Strengthening the supervision of bank credit, reasonably guiding the investment of credit funds, and actively resolving the systemic credit risk of banking should become the urgent task of bank supervision in the post-crisis era.
【作者單位】： 武漢大學經濟與管理學院;
【基金】：教育部應急課題(2009JYJR030) 中央高�；究蒲袠I(yè)務費專項資金
【分類號】：F832.4
【正文快照】： 2008年底以來,受一系列宏觀經濟和金融救市政策的影響,我國商業(yè)銀行信貸資金投放出現了大規(guī)模擴張之勢。2008年11月至2009年底,我國銀行業(yè)金融機構新增信貸資金近11萬億元。商業(yè)銀行天量的信貸規(guī)模擴張引起了國內外學術界和實務界的高度關注。金融危機以來,部分國內學者對銀

【共引文獻】

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