论文部分内容阅读
资本监管对商业银行贷款的影响,主要是指由于监管当局实施严格的资本监管,商业银行为了提高资本充足率,被迫调整资产组合的风险结构或压缩资产规模,从而导致商业银行贷款量的减少或者贷款增长率的降低。学术界通常称之为资本监管的信贷紧缩效应。
The impact of capital regulation on commercial bank loans mainly refers to the fact that due to the strict capital supervision exercised by regulatory authorities, commercial banks are forced to adjust the risk structure of their portfolios or reduce the size of their assets in order to raise their capital adequacy ratio, resulting in a decrease in commercial bank loans Or a decrease in the growth rate of loans. What academics commonly call the credit crunch effect of capital regulation.