CAJ | 학술논문

随着金融创新的发展和金融监管的调整，商业银行的动态风险管理行为对货币政策传导效果的影响越来越大，由此形成了对货币政策传导的风险承担渠道的广泛关注和研究。目前货币政策传导风险承担渠道研究主要包括研究缘起、内涵、相关理论机理及存在性检验等方面，其研究出发点和落脚点均为完善货币政策传导理论，加深对商业银行行为的认识，并为货币政策决策提供参考。-
수착금융창신적발전화금융감관적조정，상업은행적동태풍험관리행위대화폐정책전도효과적영향월래월대，유차형성료대화폐정책전도적풍험승담거도적엄범관주화연구。목전화폐정책전도풍험승담거도연구주요포괄연구연기、내함、상관이론궤리급존재성검험등방면，기연구출발점화락각점균위완선화폐정책전도이론，가심대상업은행행위적인식，병위화폐정책결책제공삼고。-
With the development of financial innovation and financial supervision of adjustment, dynamic risk behavior of commercial banks on monetary policy transmission effect is increasing, thus forming the monetary policy transmission channels exposures with wide attention and researches. Before the financial crisis in 2008, the focus on monetary policy is mainly manifested on its mechanism and the effect on economic growth etc. and began in reflections on the financial crisis, easy monetary policy will create the credit bubble, in turn, which acts on the risktaking incentives of commercial Banks. Changes on Banks＇ risk behavior will affect the financial stability and have become the focus of the theoretical circle. This article combed the evolution paths of the monetary policy transmission channel and the theory mechanism of the bank risk taking channel. This paper summarizes the monetary policy risktaking channel research, and then analyze the risktaking channel of monetary policy transmission mechanism. The existence tests of risktaking channel of monetary policy are summarized in this paper, too. The aim of this study is complete the monetary policy transmission theory, to deepen the cognition of the behavior of commercial banks and also to set a reference for drawing up monetary policy.