利率市场化对广西中小银行影响的实证分析  

Empirical Analysis of the Impacts of Interest Rate Marketization on the Small and Medium Banks in Guangxi

作　　者：杨胄[1] 

机构地区：[1]中国人民银行百色市中心支行,广西百色533000

出　　处：《广西财经学院学报》2015年第1期50-55,共6页Journal of Guangxi University of Finance and Economics

摘　　要：随着我国金融市场的不断完善和发展,利率市场化是必然的发展趋势。本文选择广西12家地方法人金融机构农户贷款数据和财务数据,建立面板模型分析利率市场化对广西农户贷款和金融机构经营行为的影响,估计结果显示:广西实际存款利率与农户贷款、金融机构资本充足率有正向显著性影响;广西存贷利差对金融资产负债率有正向显著性影响,对存贷比有负向显著性影响。最后从金融机构和监管机构两个角度提出了相关政策建议。With the constant improvement zation is an inevitable development trend. rated financial institutions in Guangxi,we marketization on the farmer loans and the and development of China＇s financial market,interest rate marketi- Based on the farmer loan and financial data of 12 local incorpo- construct a panel model and analyze the impacts of interest rate financial institutions operation. The results show that：the real de- posit interest rate has significant positive influence on the farmer loans and the capital adequacy ratio of fi- nancial institutions;the interest spreads of deposit and loan have positive influence on the financial asset-lia- bility ratio,and significant negative influence on loan-deposit ratio. Finally,relevant policy recommendations are proposed from the perspective of financial institutions and regulators.

关 键 词：利率市场化 农户贷款 金融机构 面板模型 

分 类 号：F820.1[经济管理—财政学]