资本监管与银行体系稳定性研究——基于房地产调控的视角  

On Relation between Capital Supervision and Stability of Banking System——in View of Adjustment of Real Estate

作　　者：耿同劲[1] 

机构地区：[1]郑州大学商学院,河南郑州450001

出　　处：《生产力研究》2013年第4期53-56,201,共4页Productivity Research

摘　　要：当银行面对房地产价格冲击时,如果监管当局实施较为严格的资本监管,较轻的房地产价格下跌就可能导致银行不稳定成为一种自我实现的结果,而当监管当局实施较为宽松的资本监管时,较为严重的房地产价格下跌才有可能导致银行的不稳定。严格的资本监管在一定程度上反而增加了银行体系的不稳定性。在特殊情况下,适当降低银行的资本监管标准以增加银行体系流动性的政策可能是有益的。When banks face the influence of price of real estate,if supervisory authorities implement stricter capital supervision,a little decrease of price of real estate will lead to a little un-stability of banks.If supervisory authorities have loose capital supervision,sharp decrease of the price will result in un-stability of banks.Stricter supervision can cause the un-stability of banks,which means that policies of lowering standards of capital supervision and increasing fluidity of banking system are helpful.

关 键 词：资本监管 房地产价格 银行危机 

分 类 号：F830.2[经济管理—金融学]