摘要
从商业银行自身出发,基于其成本收益角度建立模型,得出其利润最大化下的均衡条件,在考虑风险中性和风险厌恶两种情况下,商业银行在前述条件下应对央行存、贷款利率变化而采取相应信贷行为的调整,一定程度上解释了货币政策被弱化甚至扭曲的原因,最后提出一些改善货币传导机制的建议。
This paper constructs a cost - benefit model of commercial banks and puts out the equilibrium condition on the basis of the Maximal Profit. Considering the risk neutral and risk aversion, it analyzes that what measure and credit actions the commercials banks take, which explains the reason why monetary plicy has been weakened. In the end, it makes some suggestions to improve the monetary policy transmission mechanism.
出处
《软科学》
CSSCI
2008年第4期64-67,共4页
Soft Science
关键词
商业银行
成本收益
货币政策
commercial bank
cost - benefit
monetary policy
