中小银行的资本充足率对其贷款行为的影响研究  

Research on the Impact of Capital Adequacy Ratio of Small and Medium-Sized Banks on Their Loan Behavior

作　　者：王睿 WANG Rui(Xiamen International Bank,Xiamen 361013,China)

机构地区：[1]厦门国际银行,福建厦门361013

出　　处：《商业观察》2025年第10期33-37,共5页BUSINESS OBSERVATION

摘　　要：随着金融市场的日渐复杂和全球经济不确定性的增加,中小银行在维护自身稳定性与发展方面面临严峻的挑战。文章研究了中小银行的资本充足率对其贷款行为的影响,探讨了资本充足率在银行风险管理中的作用及其对贷款规模、贷款结构、贷款风险偏好和贷款利率的具体影响机制。通过对国内中小银行资本充足率现状展开分析,结合实证研究数据,揭示了资本充足率对中小银行贷款行为的潜在影响。同时提出了优化中小银行资本管理和贷款行为的策略建议,以期为提高资本充足率和风险控制水平提供参考。With the increasing complexity of financial market and the growing uncertainty of the global economy,small and medium-sized banks are facing increasingly severe challenges in maintaining their own stability and development.This article studied the impact of capital adequacy ratio of small and medium-sized banks on their loan behavior,explored the role of capital adequacy ratio in bank risk management,and its specific impact mechanism on loan size,loan structure,loan risk preference,and loan interest rate.By analyzing the current situation of capital adequacy ratio of domestic small and mediumsized banks and combining empirical research data,the potential impact of capital adequacy ratio on loan behavior of small and medium-sized banks was revealed.At the same time,strategic suggestions were proposed to optimize the capital management and loan behavior of small and medium-sized banks,aiming at providing reference for improving the capital adequacy ratio and risk control level.

关 键 词：中小银行 资本充足率 贷款行为 风险管理 政策建议 

分 类 号：F832.33[经济管理—金融学]