摘要
本文在'贷款创造存款'的视角下重新审视银行资产负债行为,构建了存贷利率平衡方程、存贷同业平衡方程,分四种情况从理论上分析了利率并轨过程中利率的变化,并在此基础上进一步讨论存贷比、影子银行、同业负债约束和贷款规模等因素对利率传导机制的影响。
In this article balanced equations of asset-liability and deposit-interbank liability relationships are constructed under a fiduciary standard.The article analyzes the effects of interest rate marketization using these tools.Additionally,it discusses the influence of the loan-deposit ratio,shadow banking,interbank liability restrictions and restrictions on loan size.
出处
《金融市场研究》
2019年第8期38-48,共11页
Financial Market Research
关键词
利率并轨
信用本位
传导机制
Interest Rate Merger
Fiduciary Standard
Transmission Mechanism
