本文選題：商業(yè)銀行 + 信貸規(guī)模�。� 參考：《山西財(cái)經(jīng)大學(xué)》2014年碩士論文

【摘要】：商業(yè)銀行信貸行為具有順周期性，這種順周期性主要表現(xiàn)在：經(jīng)濟(jì)繁榮時(shí)，商業(yè)銀行降低信貸標(biāo)準(zhǔn)，增加放貸總額，注入大量的流動(dòng)性，造成經(jīng)濟(jì)進(jìn)一步過熱；經(jīng)濟(jì)衰退時(shí)，商業(yè)銀行慎重放貸，減少放貸總額，加劇經(jīng)濟(jì)的蕭條。商業(yè)銀行信貸順周期性，加劇了實(shí)體經(jīng)濟(jì)的周期性波動(dòng)。通常情況下，貨幣政策調(diào)控是逆周期的，商業(yè)銀行信貸行為的順周期經(jīng)常與政策調(diào)控的目標(biāo)相反，其結(jié)果會削弱貨幣政策的有效性。 本文首先梳理了商業(yè)銀行信貸順周期性的相關(guān)理論，，然后結(jié)合商業(yè)銀行市場化改革，將1998-2011年劃分為三個(gè)階段，發(fā)現(xiàn)在不同階段，商業(yè)銀行的信貸行為總體上是順應(yīng)經(jīng)濟(jì)活動(dòng)變化的，也就是商業(yè)銀行信貸具有順周期性。接著通過實(shí)證研究，考察了1998-2011年的年度數(shù)據(jù)，證明了順周期性的存在。最后，針對如何減弱商業(yè)銀行信貸的過度順周期性，從中央銀行和商業(yè)銀行自身以及加強(qiáng)央行和金融監(jiān)管部門的溝通方面，提出相關(guān)政策和建議。旨在推進(jìn)我國銀行業(yè)改革的進(jìn)程中，能有效消除過度順周期性所帶來的危害。
[Abstract]:The credit behavior of commercial banks has procyclicality, which is mainly manifested in: when the economy is booming, commercial banks lower credit standards, increase the total amount of loans, inject a large amount of liquidity, and cause the economy to overheat further; when the economy is in recession, Commercial banks lend prudently, reduce the total amount of lending, and exacerbate the economic depression. Commercial bank credit is pro-cyclical, exacerbated by the cyclical fluctuations of the real economy. In general, monetary policy regulation is countercyclical, and the pro-cyclical credit behavior of commercial banks is often opposite to the goal of policy regulation, which results in weakening the effectiveness of monetary policy. This article first combs the commercial bank credit procyclicality correlation theory, then unifies the commercial bank marketization reform, divides 1998-2011 into three stages, discovers in the different stage, Generally speaking, the credit behavior of commercial banks conforms to the changes of economic activities, that is, the credit of commercial banks is procyclical. Then, through the empirical study, we examine the annual data from 1998 to 2011 and prove the existence of procyclicality. Finally, in view of how to reduce the excessive procyclicality of commercial bank credit, this paper puts forward some relevant policies and suggestions from the communication between the central bank and commercial bank itself and between the central bank and financial supervision department. In order to promote the process of banking reform in China, it can effectively eliminate the harm caused by excessive procyclicality.
【學(xué)位授予單位】：山西財(cái)經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.4

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本文編號：2032848