摘要
资本监管日渐成为商业银行信贷行为最主要的影响因素，利用国内16家上市银行2000—2015年的面板数据，分析了资本约束对贷款规模、结构、价格及担保条件的影响。研究结果显示，资本监管对贷款规模有较显著的影响，在资本约束下银行倾向于降低总体贷款增速，但在贷款内部存在结构性差异，资本节约型个人贷款与中小企业贷款仍保持较快增长，同时资本约束将推高贷款价格并改善担保条件；无论是贷款规模还是价格，资本约束的影响程度都要相对弱于国外的实证研究结果。
Capital regulation is becoming the main factor affecting the credit behavior of commercial banks. By using the panel data from 2000 to 2015 of 16 listing commercial banks in China, this paper tries to analyze the capital constraints on loan scale, structure, price and guarantee conditions. Empirical results show that capital monitoring has significant influence on loan scale. With capital constraints, banks tend to reduce loan speed while increase loan price and have higher standard for guarantee conditions. Generally, the empirical results show that the influence of capital constrains on domestic banks is weaker than that of banks abroad.
出处
《金融经济学研究》
CSSCI
北大核心
2016年第2期40-50,共11页
Financial Economics Research
关键词
资本监管
贷款规模
贷款价格
capital regulation
loan scale
lending spread
