CAJ | 학술논문

银行信贷管理具有明显的周期性，尤其是在经济下行期银行的“避险”行为比较突出。基于青岛市大数据平台，本文对经济下行期银行信贷管理行为进行研究，力图总结出银行的微观行为特征。本文认为银行的风险敏感度和预见度并不高，行为多表现出短期应激性，主要表现是前置性强势和风险处置弱势的双重特征，并且银行在对待周期性行业和非周期性行业方面呈现出较大差异。银行的行为特征有其内在组织和市场根源因素，通过对根源因素开展可控性分析，对其优化控制可以缓解银行信贷的顺周期性。
은행신대관리구유명현적주기성，우기시재경제하행기은행적“피험”행위비교돌출。기우청도시대수거평태，본문대경제하행기은행신대관리행위진행연구，력도총결출은행적미관행위특정。본문인위은행적풍험민감도화예견도병불고，행위다표현출단기응격성，주요표현시전치성강세화풍험처치약세적쌍중특정，병차은행재대대주기성행업화비주기성행업방면정현출교대차이。은행적행위특정유기내재조직화시장근원인소，통과대근원인소개전가공성분석，대기우화공제가이완해은행신대적순주기성。
The loan management of bank is of obvious pro-cyclicality, especially in the down period. Based on the big data platform of Qingdao, this article researches the loan management of bank in the down period, and sum-marizes the character of bank’s behavior. The sensitiveness and foresight of bank for risk is low, and the behavior is just a simple and short-term reaction for risk, showing as twofold:prefixing mighty as well as weakness in risk dispos-al. In addition, bank’s policy for cyclical industry and non-cyclical industry is different. The character of behavior roots from factors of bank’s inner organization and market. Through the analysis for the controllability of these factors, this article puts forward the suggestion of optimizing control.