国外关于流动性与银行资本结构关系诸说缕析

Exploration on Foreign Theory of Relationship between Liquidity and Bank Capital Structure

银行流动性与清偿力之间存在复杂的作用关系,这种关系与银行外部经济环境交织在一起使流动性风险成为引发银行危机的根源之一,从流动性视角研究银行资本结构也因此成为银行财务和银行监管日益关注的热点。本文沿着银行流动性与资本结构关系研究的状况和动向,对有关流动性保证、流动性创造、流动性危机与银行资本结构决策三个主要关系的重要文献进行梳理和总结,意在为我国银行业的资本监管和稳健经营提供可资借鉴的参考。

There exists a complex relationship between bank liquidity and solvency,and its interaction with external economic environment of the bank makes the liquidity risk one of the roots of banking crisis.From the perspective of liquidity,an analysis on the bank＇s capital structure has become an important trend of banking finance and supervision.In this paper,I make a review on the relationship between bank liquidity and capital structure,with its goal to provide reference for China＇s banking capital regulation and sound operation.