银行业杠杆率现状与原因分析

Analysis of The Current Situation and Causes of Banking Leverage

利用银行年报数据,统计分析我国银行资产及杠杆率状况,通过回归分析发现,改变银行资产的增长速度可以达到控制杠杆率变化方向的目的,而且银行的主动负债行为可以在某种程度上加大杠杆。为了金融系统的稳定性,银行需要合理地控制杠杆率,全力配合供给侧改革的实施,在满足一定流动性的前提下追求盈利性,保障资金安全,监管机构也需要积极地引导银行等金融机构去杠杆。

bThis article mainly use the bank＇s annual data to analyze the situation of bank assets and leverage in China,through regression analysis, changing the growth rate of bank assets can control the direction of change in leverage, and active debt behavior of banks can increase the leverage to some extent. In order to stabilize the financial system, banks need to control the leveragereasonably, fully cooperate with the implementation of the reform of the supply side, the pursuit of profit while satisfying a certain fluidity, to ensure the safety of funds, regulators also need to guide the banks and other financial institutions to leverageactively.