摘要
本文通过面板数据的计量模型针对存贷比限制以及中央银行调控政策对商业银行信贷规模的影响进行分析。研究结果显示存贷比限制明显地影响了商业银行的放贷规模,中央银行通过存款准备金来调控信贷的效果不明显。银监会的存贷比限制一定程度上架空了中央银行的货币调控政策,为了保证中央银行调控信贷的政策空间,存贷比政策需进行一定程度上的修改。
This article builds panel data model to analyze the influence of loan-to-deposit ratio supervision and control policies of the central bank on the scale of commercial bank credit.The result shows that the loan-to-deposit ratio supervision significantly affects the scale of commercial bank lending while the deposit reserve system of the central bank has little effect.The loan-to-deposit ratio supervision of CBRC makes control policies of the central bank useless to a certain extent,so the loan-to-deposit ratio policy must be modified in order to save the policy space for the central bank.
出处
《上海金融》
CSSCI
北大核心
2013年第2期64-67,118,共4页
Shanghai Finance
关键词
存贷比
存款准备金率
信贷规模
货币调控
Loan-to-deposit Ratio
Deposit Reserve Ratio
Credit Scale
Monetary Control
