金融理论与实践
金融理論與實踐
금융이론여실천
Financial Theory and Practice
2012年
1期
80~85
,共null页
银行信贷投放 经济周期性波动 缓释对策
銀行信貸投放 經濟週期性波動 緩釋對策
은행신대투방 경제주기성파동 완석대책
Bank Loans Delivery; Economic Cyclical Fluctuation; Sustain Release Countermeasure
为有效地规避和防范银行信贷亲周期性及其对宏观经济周期性波动和货币政策调控的负面影响，本文从外部监管和商业银行内部管理提出了缓释我国商业银行信贷投放的亲周期效应的具体对策。如结合我国国情修改并积极实施新资本协议，加强银监会和央行的沟通与协调，构建有差异的资本充足率监管框架，建立反周期资本充足率监管框架和引入动态风险拨备机制等。
為有效地規避和防範銀行信貸親週期性及其對宏觀經濟週期性波動和貨幣政策調控的負麵影響，本文從外部鑑管和商業銀行內部管理提齣瞭緩釋我國商業銀行信貸投放的親週期效應的具體對策。如結閤我國國情脩改併積極實施新資本協議，加彊銀鑑會和央行的溝通與協調，構建有差異的資本充足率鑑管框架，建立反週期資本充足率鑑管框架和引入動態風險撥備機製等。
위유효지규피화방범은행신대친주기성급기대굉관경제주기성파동화화폐정책조공적부면영향，본문종외부감관화상업은행내부관리제출료완석아국상업은행신대투방적친주기효응적구체대책。여결합아국국정수개병적겁실시신자본협의，가강은감회화앙행적구통여협조，구건유차이적자본충족솔감관광가，건립반주기자본충족솔감관광가화인입동태풍험발비궤제등。
To avoid and prevent the kin-cyclicity of bank loans with its negative influence from the macro-economic cyclical fluctuation and current policy regulation, this paper suggested that sustain re- leasing the kin-cyclicity of bank loans delivery of commercial banks in China from the external supervi- sion and internal supervision in commercial banks. For example, we could modify the new capital agree- ment and put it into practice actively. We could strengthen the coordination between banking regulatory commission and central bank in China; contribute the supervision frame of different capital adequacy ratio and anti-cycle capital adequacy ratio, introducing the mechanism of provision against dynamic risks.
