【摘要】：為研究杠桿率新規(guī)對銀行信貸的影響,本文選用2004-2012年我國上市商業(yè)銀行的杠桿率以及其他影響銀行信貸指標(biāo)的變量,就杠桿率標(biāo)準(zhǔn)的實(shí)施對約束我國商業(yè)銀行信貸規(guī)模的有效性進(jìn)行了實(shí)證分析。結(jié)果表明,杠桿率與我國商業(yè)銀行的信貸規(guī)模呈負(fù)相關(guān)關(guān)系,杠桿率的監(jiān)管要求會導(dǎo)致杠桿率不達(dá)標(biāo)的銀行信貸增長放緩;就影響程度而言,杠桿率對大型國有商業(yè)銀行信貸規(guī)模的影響大于對股份制商業(yè)銀行和城市商業(yè)銀行的影響。
[Abstract]:In order to study the impact of the new rules on bank credit, this paper selects the leverage ratio of listed commercial banks and other variables that affect the bank credit index from 2004 to 2012. This paper makes an empirical analysis on the validity of restricting the credit scale of Chinese commercial banks by the implementation of the leverage ratio standard. The results show that the leverage ratio is negatively related to the credit scale of commercial banks in China, and the regulatory requirements of leverage ratio will lead to a slowdown in the growth of bank credit that does not meet the requirements of leverage ratio. The influence of leverage ratio on the credit scale of large state-owned commercial banks is greater than that on joint-stock commercial banks and urban commercial banks.
【作者單位】： 湖南大學(xué)金融與統(tǒng)計(jì)學(xué)院;
【基金】：國家自然科學(xué)基金項(xiàng)目《我國銀行業(yè)宏觀審慎管理與微觀審慎管理協(xié)調(diào)創(chuàng)新研究》(項(xiàng)目編號:71373071)的資助
【分類號】：F832.4

【參考文獻(xiàn)】

相關(guān)期刊論文 前4條

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本文編號：2156224