上海金融
上海金融
상해금융
Shanghai Finance
2011年
1期
52~55
,共null页
贷款规模 准备金率 资本充足率
貸款規模 準備金率 資本充足率
대관규모 준비금솔 자본충족솔
Size of Loan; Reserve Ratio; Capital Adequacy Ratio
货币银行传统理论认为：货币当局以准备金率控制贷款规模,以资本充足率控制贷款风险。本文从分析准备金与资本充足率对贷款规模的约束机制入手,引入银行资产负债表模型,证明银行贷款规模主要受资本充足率影响。研究结论是：准备金率对贷款规模的控制作用已经弱化,资本充足率对贷款规模的控制作用趋强。
貨幣銀行傳統理論認為：貨幣噹跼以準備金率控製貸款規模,以資本充足率控製貸款風險。本文從分析準備金與資本充足率對貸款規模的約束機製入手,引入銀行資產負債錶模型,證明銀行貸款規模主要受資本充足率影響。研究結論是：準備金率對貸款規模的控製作用已經弱化,資本充足率對貸款規模的控製作用趨彊。
화폐은행전통이론인위：화폐당국이준비금솔공제대관규모,이자본충족솔공제대관풍험。본문종분석준비금여자본충족솔대대관규모적약속궤제입수,인입은행자산부채표모형,증명은행대관규모주요수자본충족솔영향。연구결론시：준비금솔대대관규모적공제작용이경약화,자본충족솔대대관규모적공제작용추강。
Traditional theories of money and banking are that： required reserve ratio is the main tool for monetary authorities to control the size of loans and capital adequacy ratio is the tool to control credit risks.By analyzing respectively the affecting mechanism of reserve ratio and capital adequacy ratio on loan size in modern financial environment,this paper introduces a balance sheet model of commercial banks and proves that the size of bank loans is mainly affected by capital adequacy ratio in modern financial environment.Main conclusion is that the influence of reserve ratio on size of loans has weakened,while that of capital adequacy ratio has been increasingly stronger.
