R0421136资本充足率对信贷行为的影响2.doc.doc

资本充足率对银行信贷行为的影响摘要 1988 年巴塞尔银行监管委员会( mittee on Banking Supervision , BCBS )发布的巴塞尔资本协议,为世界各国监管当局提供了统一的银行资本监管框架,成为银行监管史上一个重要的里程碑。从此,资本监管成为银行业审慎监管的核心,资本充足率是衡量单个银行乃至整个银行体系稳健性的重要指标。到目前为止,世界上已经有一百多个国家实施了巴塞尔资本协议。本文研究我国资本充足率对银行信贷行为的影响,首先在国外理论研究和实证研究的基础上对我国商业银行资本充足状况进行了分析,然后是本文的重点节:资本充足率对我国商业银行信贷的影响的实证分析,得出研究结论,针对结论提出了相应的政策建议。关键词: 资本充足率;银行信贷;信贷扩张 Abstract The mittee on banking supervision in1988 (mittee on Banking Supervision, BCBS) Basel Capital Accord released, provides a unified framework for bank capital supervision authorities of all countries in the world, e an important milepost banking history. Since then, capital regulation has e the core of prudential supervision of banks, the capital adequacy ratio is an important index to measure the individual banks and the whole banking system stability. So far, the world has more than one hundred countries in the implementation of the Basel capital accord. This paper study on the effect of China's capital adequacy ratio of bank credit behavior, analyzed the capital adequacy mercial banks in China based on foreign theory research and empirical research, and is the key section of this paper: An Empirical Analysis of influence onour mercial bank credit capital adequacy ratio rang, come to the conclusion of the study, the author puts forward the corresponding policy mendations. Keywords: capital adequacy ratio; bank credit; credit expansion 目录一、引言........................................................................................................................ 4 二、国外相关研究........................................................................................................ 4 (一)理论方面..................................................................................................... 4 (二)实证方面..................................................................................................... 5 三、我国商业银行资本充足状况分析........................................................................ 6 (一)对信贷总量的影响..................................