本文關(guān)鍵詞：我國(guó)商業(yè)銀行信貸行為與信貸傳導(dǎo)效率　出處：《湘潭大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 商業(yè)銀行信貸行為 貨幣政策傳導(dǎo) 信貸傳導(dǎo)效率

【摘要】：中央銀行貨幣政策從實(shí)施后到它對(duì)實(shí)體經(jīng)濟(jì)產(chǎn)生影響的這段過程，被看作是“黑箱”，而對(duì)這個(gè)“黑箱”的研究，一直都是宏觀經(jīng)濟(jì)學(xué)的核心問題。貨幣政策傳導(dǎo)機(jī)制的通暢與否直接關(guān)系著貨幣政策實(shí)施的有效性。近年來，我國(guó)中央銀行通過貨幣政策對(duì)經(jīng)濟(jì)進(jìn)行調(diào)控，而貨幣政策效果卻常常令人沮喪。我們常說治標(biāo)應(yīng)先治本，如果能找到貨幣政策低效的原因所在，就能對(duì)癥下藥提出有意義的政策建議，從而解決我國(guó)貨幣政策長(zhǎng)期存在的效率損失問題。我們知道，貨幣政策發(fā)生效力主要是通過傳導(dǎo)渠道對(duì)實(shí)體經(jīng)濟(jì)產(chǎn)生影響，在我國(guó)，信貸傳導(dǎo)渠道為主要貨幣政策傳導(dǎo)渠道，商業(yè)銀行信貸行為更是在貨幣政策傳導(dǎo)過程中起著至關(guān)重要的作用。因此本文站在商業(yè)銀行信貸決策的角度上來考察其對(duì)貨幣政策信貸傳導(dǎo)的影響。 從貨幣政策目標(biāo)來說，國(guó)家采用貨幣政策主要是為了促進(jìn)經(jīng)濟(jì)增長(zhǎng)、保持物價(jià)穩(wěn)定，而自身效用最大化是商業(yè)銀行追求的目標(biāo)所在。兩者在目標(biāo)上的差異性，導(dǎo)致了兩者行為的性質(zhì)不同。當(dāng)貨幣政策變動(dòng)時(shí)，商業(yè)銀行謀劃的是如何在央行容許的博弈邊界內(nèi)結(jié)合市場(chǎng)環(huán)境來調(diào)整自己的信貸行為并達(dá)到最優(yōu)。本文將以貨幣政策信貸傳導(dǎo)理論為前提，結(jié)合商業(yè)銀行信貸優(yōu)化行為，來研究商業(yè)銀行信貸決策對(duì)信貸傳導(dǎo)效率的影響，并通過分析相應(yīng)的影響因素，提出政策建議，從而促進(jìn)貨幣政策信貸傳導(dǎo)效率的提高。 根據(jù)理論分析，可知央行貨幣政策能否通過信貸傳導(dǎo)機(jī)制對(duì)實(shí)體經(jīng)濟(jì)產(chǎn)生作用以及作用的程度大小，即信貸傳導(dǎo)效率的高低，將取決于商業(yè)銀行的信貸行為是否與央行貨幣政策取向一致；央行的政策力度會(huì)隨著不同經(jīng)濟(jì)時(shí)期下商業(yè)銀行自身行為的不同而增強(qiáng)或削弱。經(jīng)驗(yàn)分析表明，目前我國(guó)銀行信貸渠道是主要的貨幣政策傳導(dǎo)渠道；銀行信貸總量在與貨幣政策走勢(shì)基本相符的同時(shí)，也出現(xiàn)一定程度的背離，，而且我國(guó)商業(yè)銀行流動(dòng)性過剩的特征也致使貨幣政策信貸傳導(dǎo)受阻。之后的實(shí)證分析更進(jìn)一步的驗(yàn)證了我國(guó)貨幣政策信貸傳導(dǎo)機(jī)制效率損失，即信貸渠道發(fā)生了阻塞。在此基礎(chǔ)上，我們分別通過對(duì)我國(guó)商業(yè)銀行商業(yè)性和公共性雙重定位特點(diǎn)、銀行信貸配給行為以及滿足監(jiān)管制度和績(jī)效考核制度下的銀行信貸行為這四個(gè)方面進(jìn)行分析，剖析了我國(guó)2002年以來信貸傳導(dǎo)渠道下商業(yè)銀行信貸行為“失調(diào)”以致傳導(dǎo)效率損失的原因。并針對(duì)分析出的信貸傳導(dǎo)效率損失原因，提出政策建議。
[Abstract]:The process from the implementation of central bank monetary policy to its impact on the real economy is regarded as a "black box", and the study of this "black box". Monetary policy transmission mechanism is directly related to the effectiveness of the implementation of monetary policy. In recent years, China's central bank through monetary policy to regulate the economy. Monetary policy, on the other hand, is often frustrating. We often say that the symptoms should be addressed first, and that if the reasons for the inefficiency of monetary policy can be found, meaningful policy recommendations can be made to the case. In order to solve the long-term loss of efficiency of monetary policy in China, we know that the effectiveness of monetary policy is mainly through the transmission channel to the real economy, in China. The credit transmission channel is the main monetary policy transmission channel. The credit behavior of commercial banks plays an important role in the transmission of monetary policy. From the monetary policy objective, the country adopts monetary policy mainly in order to promote economic growth and maintain price stability, and the maximization of its utility is the goal pursued by commercial banks. Causes the nature of the behavior to be different. When monetary policy changes. What commercial banks plan is how to adjust their credit behavior and reach the optimum by combining the market environment with the game boundary allowed by the central bank. This paper will take the credit transmission theory of monetary policy as the premise. Combined with the commercial bank credit optimization behavior, to study the commercial bank credit decision-making on the credit transmission efficiency, and through the analysis of the corresponding factors, put forward policy recommendations. So as to promote the efficiency of monetary policy credit transmission. According to the theoretical analysis, we can know whether the central bank monetary policy through the credit transmission mechanism to the real economy and the extent of the effect, that is, the level of credit transmission efficiency. It will depend on whether the credit behavior of commercial banks is consistent with the monetary policy orientation of the central bank; The policy intensity of the central bank will be strengthened or weakened with the different economic periods. The empirical analysis shows that the bank credit channel is the main transmission channel of monetary policy. The total amount of bank credit is basically consistent with the trend of monetary policy, at the same time, there is also a certain degree of deviation. Moreover, the characteristics of excess liquidity of commercial banks in China also hinder the transmission of monetary policy credit. The empirical analysis further verifies the loss of efficiency of the credit transmission mechanism of monetary policy in China. That is, the credit channel has been blocked. On this basis, we respectively through the commercial and public of commercial banks in China dual positioning characteristics. The bank credit rationing behavior and the bank credit behavior under the supervision system and the performance appraisal system are analyzed. This paper analyzes the reasons for the loss of credit conduction efficiency of commercial banks under the credit transmission channel since 2002, and puts forward some policy suggestions for the loss of credit transmission efficiency.
【學(xué)位授予單位】：湘潭大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.4

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