本文選題：國有銀行　切入點：政府注資　出處：《世界經(jīng)濟文匯》2017年05期 　論文類型：期刊論文

【摘要】：國有銀行在金融危機期間相比民營銀行投放更多信貸,表現(xiàn)為反危機信貸投放,并且成為一個國際普遍現(xiàn)象。然而,鮮有研究基于實證分析,探討其后的作用機制。文章基于現(xiàn)有理論,提出"存款優(yōu)勢"假說,即金融危機期間,政府傾向于對國有銀行進行注資,資本實力的增厚,降低了儲戶存款到國有銀行的風險,導致國有銀行相比民營銀行在吸收存款上存在優(yōu)勢,存款流入國有銀行,使其有更多的資金進行信貸投放。1935年"白銀風潮"作為中國近代史上的一次金融危機,為實證檢驗前述假說提供了絕佳的自然實驗。文章利用總行設在上海的銀行1932—1935年的資產(chǎn)負債表數(shù)據(jù),驗證了"存款優(yōu)勢"假說。文章豐富了文獻中關于國有銀行對經(jīng)濟社會帶來的成本與收益的討論。
[Abstract]:During the financial crisis, the state-owned banks put out more credit than the private banks, which has become a common phenomenon in the world. However, few studies are based on empirical analysis. Based on the existing theory, this paper puts forward the hypothesis of "deposit advantage", that is, during the financial crisis, the government tends to inject capital into state-owned banks, and the thickening of capital strength reduces the risk of depositors' deposits to state-owned banks. As a result, state-owned banks have advantages over private banks in absorbing deposits, and deposits flow into state-owned banks, allowing them to have more funds for credit. In 1935, the "silver storm" was regarded as a financial crisis in China's modern history. The paper provides an excellent natural experiment for the empirical test of the hypothesis. The paper uses the balance sheet data of the bank with its headquarters in Shanghai for 1932-1935. This paper verifies the hypothesis of "deposit advantage", and enriches the discussion on the cost and benefit brought by state-owned banks to economy and society.
【作者單位】： 復旦大學經(jīng)濟學院;上海財經(jīng)大學金融學院;
【基金】：國家自然科學基金項目(71473041和71673049)的資助
【分類號】：F832.22;F832.4

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