银行异质性、货币政策工具与银行信贷  

Banks Heterogeneity,Monetary Policy Tools and Banks Credit

作　　者：刘飞[1] 

机构地区：[1]西安邮电学院经济与管理学院,西安710061

出　　处：《商业研究》2012年第9期106-111,共6页Commercial Research

基　　金：教育部人文社科基金项目;项目编号:11XJC790009

摘　　要：通过对中国银行业2006-2010年84家银行的数据建立Panel Data模型,本文分析了货币供应量和银行间市场利率对不同类型银行信贷的影响。研究结果发现国有银行和股份制银行的信贷要显著地受到货币供应量的影响,而外资银行和城市商业银行的信贷要受到银行间市场利率的显著影响,农村商业银行没有显著地受到这些货币政策工具的影响。另外,货币政策工具对银行信贷的影响,也与不同类型银行的规模、资本充足性、盈利能力等方面的特征有关。因此,中央银行在运用不同的货币政策工具时,要综合考虑不同类型的银行对货币政策工具的反应。In this paper, we analyze the effect of monetary policy tools on the different banks credit, by the Panel Data Model based on the dataset of 84 banks from 2006 to 2010 in China. The result shows that the money supply can affect the credit of state - owned banks and joint - stock banks, the interest rate can influence the credit of foreign banks and city commercial banks, and rural commercial bank is not significantly affected by these tools of monetary policy. On the other hand, the effect of the different monetary policy tools can also be affected by the credit of banks, relate to the size, capital adequacy rate, profitability and so on. So the central bank should consider the different effects of diverse banks as exercising different monetray policy tools.

关 键 词：银行异质性 货币政策工具 银行信贷 

分 类 号：F830.33[经济管理—金融学]