中长期经济背景下国际银行信贷规模比较与实证

Comparison and Empirical Analysis of International Bank Credit against the Background of Mid-and-long term Economy

金融危机后银行信贷规模受到极大关注,巴塞尔委员会要求银行计提逆周期资本以缓冲经济上升期(下行期)银行信贷的过度增长(紧缩)。如何理解国际银行信贷规模的增长及银行信贷在经济发展中的地位?我们对中长期经济背景下国际银行业信贷规模的发展变化、发达国家和发展中国家的银行业规模进行比较与实证分析,结果显示,世界经济长期增长带来银行信贷规模增长、发达国家和发展中国家银行信贷规模存在差距、发达国家银行业对外部经济冲击的反应程度强于发展中国家。

The size of bank credit attracted a lot of attention after the financial crisis. Capital buffer of Anti-cyclieality was required by Basel Committee to prevent excessive growth （tightening） when the economy was in an up （down） period. How to understand the growth of loan scale and the position of bank credit in the economy？ We analyzed international bank credit and compared developed countries with developing countries. We draw the conclusions that the growth of world economy in mid-and -long term brought the growth of loan scale, there was a remarkable gap between the two kinds of countries, and the reaction of the banking industry to external shock is lower in developing countries than in developed country.