货币政策、商业银行风险与监管

Monetary Policy、Commercial Bank Risk and Regulation

货币政策是国家宏观调控的重要手段,然而以往的货币政策理论均只关注货币供给和银行信贷总量的变化,忽视了货币政策对银行信贷质量和风险承担的影响。本文通过对货币政策风险承担机制的阐述,从货币政策出发,分析商业银行风险承担变化,强调了货币政策与银行风险之间的关系,并对监管机构监管策略的调整提出了政策性建议。

Monetary policy is a crucial measure of state macro-control. The traditional monetary theories focuson the amount of money supply and bank credit and overlooked its influence on the quality of bank credit andbanks risk-taking. This paper, by introducing the risk-taking channel of monetary policy, tries to analyze theinfluence of monetary policy on commercial banks and put forward several policy suggestions on regulation.