存贷成本约束与货币政策的信用渠道传导弱效  

The Deposit & Loan Cost Constraint and the Credit Channel Transmission of Monetary Policy

作　　者：方显仓[1] 

机构地区：[1]华东师范大学商学院,上海200062

出　　处：《华东师范大学学报（哲学社会科学版）》2004年第2期111-118,共8页Journal of East China Normal University（Humanities and Social Sciences）

摘　　要：在利率管制的条件下 ,由于我国国有商业银行的风险厌恶和存款偏好特性 ,使银行的贷款供给不足和存款需求过大 ,引起存贷款差额扩大 ,从而导致我国货币政策信用渠道的传导机制不畅。因此 ,应当从强化国有商业银行的风险管理水平、弱化国有商业银行存款成本软约束等方面 。Owing to the risk aversion (hard credit risk constraint) and deposit preference of state-owned commercial banks, their credit supply is not sufficient, deposit demand is too big, and balance of their deposits to loans is enlarging. As a result, the transmission mechanism of credit channel of our country's monetary policy is not smooth under a condition of interest rate control. We should improve transmission mechanisms of the credit channel.

关 键 词：中国 国有商业银行 信贷资金 管理体制 供求模式 存款成本 贷款风险 货币政策 中央银行 降息政策 信用渠道传导 存贷差额 

分 类 号：F832.2[经济管理—金融学]