“超常态”信贷配给、商业银行市场行为及其绩效  

"Supernormal"Credit Rationing,Market Behavior and the Performance of Commercial Banks

作　　者：王馨[1] 耿欣[2] 

机构地区：[1]中国人民银行济南分行营业管理部,山东济南市250001 [2]中国人民银行济南分行,山东济南市250021

出　　处：《金融研究》2009年第4期196-206,共11页Journal of Financial Research

摘　　要：本文从商业银行市场行为偏离导致的两个极端入手,认为"超常态"信贷配给的存在是导致金融机构效率低下的关键因素。"超常态"信贷配给之所以产生,或者是源于金融机构面临风险和收益权衡的时候盲目地选择了获取收益,或者是由于外部的制度约束。因此,减轻"超常态"信贷配给是提高资金配置效率的关键。外部制度供给和银行市场行为选择都必须遵循"适度"的原则,制度不越位、不缺位,银行进行金融创新的同时加强行为约束,是改善"超常态"信贷配给的有效途径。This paper starts with the two extrcmenesses caused by the divergence of the commercial banks＇ market behavior, and then points out that the ＂supernormal＂ credit rationing results in the low efficiency of the financial institutions. There are two reasons for the ＂Supernormal＂ credit rationing, one is when weighed against the risk and benefits, commercial banks are driven for the benefits blindly and excessively; the other is the external institution constraint. Therefore, reducing the ＂supemormal＂ credit rationing is the key to improve the efficiency of capital allocation. Finally, the paper suggests that in order to improve the ＂supemormal＂ credit rationing, both the external institution supply and the commercial banks＇ behavior should follow the ＂moderate＂ principle.

关 键 词：商业银行市场行为 市场绩效 “超常态”信贷配给 

分 类 号：F832.4[经济管理—金融学] F832.33