银行资本约束与宏观经济增长:一个定性的关系  

The Constraint of Bank Capital and the Growth of Macro-economy:a Qualitative Relationship

作　　者：张晓宏[1] 

机构地区：[1]中央财经大学金融学院,北京100088

出　　处：《北京行政学院学报》2009年第3期72-76,共5页Journal of Beijing administration institute

摘　　要：本文从巴塞尔新旧协议对银行资本约束的要求出发,提出了银行资本约束对宏观经济增长的影响命题。文章论证了五个有关银行资本充足和宏观经济效率的假设,然后从银行资本约束对银行微观信贷结构和信贷价值取向产生影响的视角之下证明了一个定性命题:目前继续对中国的银行业进行严格的资本约束可以提高整体国民经济的运行效率。Starting with the Basel Ⅰ and Basel Ⅱ＇s requirement of the constraint of bank capital, this paper holds that the constraint of bank capital has an influence on the growth of macro-economy and demonstrates five hypotheses concerning the capital adequacy of banks and the efficiency of macro economy. Finally, from the perspective that the constraint of bank capital has an influence on the credit structure of banks and the value orientation of credit, this paper proves that Chinese banking that adopts the strictly capital constraint can enhance the overall operating efficiency of national economy.

关 键 词：银行 资本 约束 经济增长 

分 类 号：F832[经济管理—金融学]