融资稳定性对我国商业银行信贷行为的影响研究

A Study on the Influence of Bank Funding Stability on Banks'Lending Behavior

近年来我国金融脱媒快速发展,银行业出现"存款荒"现象,商业银行普遍面临融资稳定性下降。本文从信贷规模和贷款价格两个方面考察融资稳定性对商业银行信贷行为的影响,并以16家上市商业银行2010-2018年财务数据为样本进行实证检验。研究发现:融资稳定性与银行信贷规模、贷款利率均呈正向关系,说明现阶段融资稳定性下降后会导致银行信贷规模下降和贷款利率降低。异质性分析发现股份制银行的这两类关系更为显著。本文最后从监管当局与银行的角度提出了相应的政策建议。

With the rapid development of financial disintermediation,shortage of deposit is more obvious in the banking system.Many commercial Banks are faced with the overall decline of funding stability.This paper examines the impact of financing stability on the credit behavior of commercial Banks from the perspectives of credit scale and loan price,and further conducts an empirical test based on the financial data of 16 domestic listed commercial Banks from 2010 to2018.It finds that funding stability is positively correlated with the credit scale and loan interest rate of commercial bank.In other words,the decline in funding stability will derease bank credit and lower interest rate.In the heterogeneity analysis,it finds that the above types of relationship of joint-stock bank is more significant.At last,this paper puts forward some policy suggestions from the perspective of regulators and banks.