股票价格波动对银行脆弱性影响的机理分析

The Influence Mechanism of Stock Price Fluctuation on Banking Fragility

理论和实践证明股票价格的剧烈波动和银行脆弱性之间存在紧密的联系。文章分析了股票价格上涨对银行经营的影响和股票价格下跌使银行脆弱性加剧的机制。分析表明:我国银行资金与股市资金存在较强的关联度,这说明我国银行资金易受到上述机制影响。因此应疏通货币市场与资本市场的正常联系,提高透明度;预警股市的急剧波动;加强银行的审慎管理。

The stock price fluctuation and banking fragility are closely related. This study analyses the impact mechanism of stock price on bank operation and banking fragility. Data analysis shows that the banking capital and stock funds in China have strong correlation, which indicates that the banking funds in China may be affected by above mechanism. Therefore we should improve the transparency between monetary market and capital market and give alarm to stock fluctuation and strengthen the bank＇s prudent management.