国际金融研究
國際金融研究
국제금융연구
Studies of International Finance
2013年
8期
60~66
,共null页
银行信贷规模 发达国家 发展中国家
銀行信貸規模 髮達國傢 髮展中國傢
은행신대규모 발체국가 발전중국가
Size of Bank Credit ; Developed Country ; Developing Country
金融危机后银行信贷规模受到极大关注，巴塞尔委员会要求银行计提逆周期资本以缓冲经济上升期（下行期）银行信贷的过度增长（紧缩）。如何理解国际银行信贷规模的增长及银行信贷在经济发展中的地位？我们对中长期经济背景下国际银行业信贷规模的发展变化、发达国家和发展中国家的银行业规模进行比较与实证分析，结果显示，世界经济长期增长带来银行信贷规模增长、发达国家和发展中国家银行信贷规模存在差距、发达国家银行业对外部经济冲击的反应程度强于发展中国家。
金融危機後銀行信貸規模受到極大關註，巴塞爾委員會要求銀行計提逆週期資本以緩遲經濟上升期（下行期）銀行信貸的過度增長（緊縮）。如何理解國際銀行信貸規模的增長及銀行信貸在經濟髮展中的地位？我們對中長期經濟揹景下國際銀行業信貸規模的髮展變化、髮達國傢和髮展中國傢的銀行業規模進行比較與實證分析，結果顯示，世界經濟長期增長帶來銀行信貸規模增長、髮達國傢和髮展中國傢銀行信貸規模存在差距、髮達國傢銀行業對外部經濟遲擊的反應程度彊于髮展中國傢。
금융위궤후은행신대규모수도겁대관주，파새이위원회요구은행계제역주기자본이완충경제상승기（하행기）은행신대적과도증장（긴축）。여하리해국제은행신대규모적증장급은행신대재경제발전중적지위？아문대중장기경제배경하국제은행업신대규모적발전변화、발체국가화발전중국가적은행업규모진행비교여실증분석，결과현시，세계경제장기증장대래은행신대규모증장、발체국가화발전중국가은행신대규모존재차거、발체국가은행업대외부경제충격적반응정도강우발전중국가。
The size of bank credit attracted a lot of attention after the financial crisis. Capital buffer of Anti-cyclieality was required by Basel Committee to prevent excessive growth （tightening） when the economy was in an up （down） period. How to understand the growth of loan scale and the position of bank credit in the economy？ We analyzed international bank credit and compared developed countries with developing countries. We draw the conclusions that the growth of world economy in mid-and -long term brought the growth of loan scale, there was a remarkable gap between the two kinds of countries, and the reaction of the banking industry to external shock is lower in developing countries than in developed country.
