新巴塞尔协议下农村合作金融机构资本水平与信贷扩张匹配研究——以宁夏吴忠市为例

The Study on the Match between the Capital Levels and the Credit Expansion of Rural Cooperative Financial Institutions under the New Basel Agreement——A Case of Wuzhong City of Ningxia

资本充足率监管作为金融审慎监管的核心指标,对金融机构的信贷扩张有较大的影响。本文分析了吴忠市5家农村合作金融机构资本充足率与贷款增速之间的关系和相互影响,并引入协调度分析方法,对两者之间的匹配程度进行了考察。研究表明,银行资本水平对信贷扩张的约束作用存在规模差异,吴忠市农村合作金融机构资本水平与贷款增速未达到较高协调状态,发展态势有待进一步改善。

As the core indicator of the financial prudential supervision, the capital adequacy ratio has a large effect on the credit expansion of financial institutions. The paper analyzes the relationship between the capital adequacy ratio and the loan growth and the mutual influence of five rural cooperative financial institutions of Wuzhong city, and introduces the coordination degree analysis method to study the matching degree. The study shows that there exists the scale difference for the constraint effect of the level of bank capital on the credit expansion. The capital level and the credit growth of rural cooperative financial institutions of Wuzhong city have not reached a higher coordinated state yet, so the development trend remains to be further improved.