摘要
资本约束可能影响银行的信贷供给,尤其是银行体系受到资本约束比较严重时,从而对经济周期也产生影响。本文首先运用理论模型从单个银行到银行体系对资本监管影响进行分析,然后引用美国和日本两个典型案例进行论证,最后是结论。本文认为,资本监管将影响信贷供给,但由于中国虽然颁布了资本充足率监管规定,但是在过渡期内无法实施严格的资本监管,因此未发现银行的信贷供给行为受到资本充足率的显著影响,但随着中国对商业银行监管的强化,资本监管对信贷供给的影响不容忽视。
the paper studies the effects of capital regulation on credit supply from different point of view. In the theories models, the author concludes that capital regulation may have Some effects on credit supply of banks. In order to support the conclusion, two typical cases are presented. However, in the analyses of the credit supply of China＇s banks, there is no essential evidence shows that the capital regulation influenced the credit supply, because the capital regulation in the transition period is lenient rather than strict.
出处
《金融研究》
CSSCI
北大核心
2006年第4期61-70,共10页
Journal of Financial Research
关键词
资本监管
银行资产组合
信贷供给
capital regulation, assets portfolio, credit supply
