本文選題：銀行信貸　切入點：資本監(jiān)管　出處：《金融論壇》2011年02期

【摘要】：商業(yè)銀行信貸和資本監(jiān)管具有順周期性。銀行信貸順周期性導致經(jīng)濟繁榮時期的貸款擴張和經(jīng)濟衰退時的貸款緊縮�！栋腿麪栙Y本協(xié)議Ⅱ》下的資本監(jiān)管約束,在經(jīng)濟衰退時會促使銀行形成信貸萎縮效應,影響和制約貨幣政策有效性的發(fā)揮,次貸危機為《巴塞爾資本協(xié)議Ⅱ》下的銀行風險管理和監(jiān)管的創(chuàng)新帶來了新的要求和挑戰(zhàn)。要減輕順周期的影響,增強金融體系的穩(wěn)定性,需要建立逆周期動態(tài)調(diào)整的資本監(jiān)管制度,構(gòu)建逆周期的宏觀審慎監(jiān)管框架,并協(xié)調(diào)運用與宏觀經(jīng)濟運行相逆的貨幣政策,協(xié)調(diào)各宏微觀監(jiān)管部門,完善風險預警體系和銀行的激勵約束機制。
[Abstract]:Commercial bank credit and capital regulation has thecyclical. Bank credit procyclicality resulting in regulatory capital constraints during the boom, the loan expansion and recession when the credit crunch. Basel Capital Accord II >, in a recession will prompt banks to form credit contraction effect, which affects and restricts the effectiveness of monetary policy to play. Bring new demands and challenges for the subprime crisis "innovation of Basel Capital Accord II > bank supervision and risk management. To reduce the procyclical effect, enhance the stability of the financial system, need to establish a counter cyclical dynamic adjustment of the capital supervision system, establishing counter cyclical macro prudential regulatory framework, and coordinate the use of inverse phase with the operation of macro economy monetary policy, the coordination of various macro and micro supervision departments, improve the incentive and restraint mechanism of risk early warning system and the bank.

【作者單位】： 西安交通大學經(jīng)濟與金融學院;西安交通大學經(jīng)濟與金融學院金融系;
【基金】：國家社科基金重點項目(09AZD020)“我國金融監(jiān)管的制度框架、制衡機制與績效評價研究”
【分類號】：F830.5

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相關期刊論文 前10條

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本文編號：1687640