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是银行信贷紧缩造成了金融危机吗?

Has the Bank Credit Crunch Caused the Financial Crisis?
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摘要 "银行借贷"理论认为,如果让银行继续发放贷款,经济危机便会自动消除。但2008年金融危机后银行业被救助,但美国经济继续下行,银行贷款急剧下降,这与"银行借贷"理论是相悖的。经济衰退是由家庭支出急剧下降造成的,假如要拯救银行,最有效的方法是降低家庭杠杆率。 The "Bank Credit" theory believes that if the banks are allowed to continue issuing credit,the economic crisis will naturally disappear. But the banking industry got aided after the financial crisis in 2008. However,the US economy continued to decline and the bank credit fell dramatically,which is contrary to the theory of "Bank Credit".The economic recession is caused by the sharp decrease of household expenditure. If you want to save the banks,the most effective way is to reduce the household leverage ratio.
出处 《金融发展研究》 北大核心 2015年第12期24-26,共3页 Journal Of Financial Development Research
关键词 银行借贷理论 金融危机 房地产 杠杆率 bank credit theory financial crisis real estate leverage ratio
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