资本充足要求下货币政策与银行监管的联系

The Relation of Monetary Policy and Bank Custody under the Condition of Capital Abundance

本文借鉴Kopecky-VanHoose有关资本约束对银行信贷影响的模型,将银行资本内生化,通过分析银行在资本充足率管理的约束条件下经营目标最优化情形,阐释了银行监管与货币政策的联系。文章最后针对我国银行业发展现状,分析资本充足要求下的银行监管和货币政策的联系对我国货币政策和银行监管政策制定的启示及对银行业管理的意义,并提出协调两者目标一致性的政策建议。

This article draw lessons from the Kopecky-VanHoose related equity restraint to the bank credit influence model, assume the bank equity be exogenous, through analyzes the bank manages under the optimized goal, under the capital adequacy ratio management restraint condition, explained the contraction between bank regulation and monetary policy. Propose the policy recommendations for coordinating the goal consistency of the two according to the banking development situation in our country.