资本质量对地方法人商业银行贷款行为的影响——以榆林市为例  

The Influence of Capital Quality on Lending Behaviors of Local Corporate Commercial Banks——A Case of Yulin City

作　　者：任健[1] 谢华军 REN Jian;XIE Huajun(Yulin Municipal Sub-branch PBC,Yulin Shaanxi 719000;Xi'an Branch PBC,Xi'an Shaanxi 710075)

机构地区：[1]中国人民银行榆林市中心支行,陕西榆林7190002 [2]中国人民银行西安分行,陕西西安710075

出　　处：《西部金融》2018年第10期59-63,79,共6页West China Finance

摘　　要：本文在综述资本质量对商业银行贷款影响的基础上,借鉴彭继增和吴玮的实证模型,分析了资本质量对地方法人商业银行贷款行为的影响,并用榆林市2004-2016年12家地方法人商业银行的数据进行了实证分析。结合资本监管政策调整,分析了在不同监管要求下地方法人银行贷款行为的差异;同时结合目前地方经济产业结构调整和转型,对银行贷款总额、贷款结构和重点行业贷款变化情况进行了研究,并提出应加强资本充足率管理和审慎监管的建议。On the basis of summarizing the influence of capital quality on the loan of commercial banks,the paper analyzes the influence of capital quality on the lending behaviors of local corporate commercial banks by referring to the empirical models of PENG Jizeng and WU Wei,and conducts an empirical analysis by using the data of 12 local corporate commercial banks in Yulin city from 2004 to 2016.According to the adjustment of capital supervision policy,the differences of lending behaviors of local corporate banks under different regulatory requirements are analyzed.At the same time,combined with the current structural adjustment and transformation of local economy and industry,the paper studies the changes of total bank loans,loan structure and loans in key industries,and puts forward suggestions on strengthening capital adequacy ratio management and prudent supervision.

关 键 词：资本质量 地方法人 贷款行为 

分 类 号：F832.4[经济管理—金融学]