贷款规模——基于监管与创新的博弈视角的分析

Credit Scale-An Analysis based on the Game Between Regulation and Innovation

贷款规模作为计划金融体制下的调控工具,在国内银行不良资产剥离、股改上市后,资本充足率和存款来源都迅速提升,商业银行贷款额呈现过度扩张态势。监管部门采取对新增贷款规模限额管理的政策,以控制信用膨胀,对此,商业银行与监管部门围绕贷款规模展开了创新与监管的博弈。本文对此类博弈的形式与原因进行了分析,提出了摒弃贷款规模和贷存比控制,建立统一的信贷资产转让交易平台,实施风险资产和动态资本监管的相关建议。

Credit scale is an instrument of macro-regulation in planned financial system.Since the stripping off of non-performing assets and shareholding system reform of domestic banks,capital adequacy ratio and savings have rapidly increased,and credit of commercial banks have excessively expanded.The regulatory authority employs quota management on new credit scale to control credit inflation.As a result,game starts between commercial banks and regulatory authority concerning innovation and regulation.The article analyzes the form and reason of such game,and argues to abandon control of credit scale and loan-to-deposite ratio,to establish unified transfer platform of credit assets,and to implement management of risk assets and dynamic capital.