CAJ | 학술논문

为研究杠杆率新规对银行信贷的影响，本文选用2004-2012年我国上市商业银行的杠杆率以及其他影响银行信贷指标的变量，就杠杆率标准的实施对约束我国商业银行信贷规模的有效性进行了实证分析。结果表明，杠杆率与我国商业银行的信贷规模呈负相关关系，杠杆率的监管要求会导致杠杆率不达标的银行信贷增长放缓；就影响程度而言，杠杆率对大型国有商业银行信贷规模的影响大于对股份制商业银行和城市商业银行的影响。
위연구강간솔신규대은행신대적영향，본문선용2004-2012년아국상시상업은행적강간솔이급기타영향은행신대지표적변량，취강간솔표준적실시대약속아국상업은행신대규모적유효성진행료실증분석。결과표명，강간솔여아국상업은행적신대규모정부상관관계，강간솔적감관요구회도치강간솔불체표적은행신대증장방완；취영향정도이언，강간솔대대형국유상업은행신대규모적영향대우대고빈제상업은행화성시상업은행적영향。
To study the impact of new regulations on the leverage ratio of bank credit, the paper selects the indexes in 2004-2012, which affect the size of bank credit indicators, i.e. the leverage ratio and other data of the listed commercial banks, and analyzes the constraint effectiveness empirically on the credit scale in China’s banking sector under the implementation of standards for leverage. The result shows that the leverage ratio has a negative correlation with credit scale of commercial banks;leverage regulatory requirements will cause the slowdown of credit growth of non-compliance banks; meanwhile, the impact extent of leverage on large state-owned banks is greater than the joint-equity commercial banks and municipal commercial banks.