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本文采用BANKSCOPE数据库中2002-2012年间中国116家银行的相关数据,对货币政策和监管政策对银行信贷行为的影响进行了深入研究,同时也对不同资本充足性监管压力下的银行信贷行为进行了研究。结果表明,货币政策仍是影响我国银行信贷行为的重要因素。在监管政策中,合格稳健的资本持有水平有利于银行信贷增速的提升,其在与货币政策的协调作用中会弱化紧缩货币环境对银行信贷扩张的负面影响,且不同资本充足性监管压力下的银行信贷行为也存在差异,而动态拨备率与流动性比率对银行信贷行为的影响尚不显著。本文不仅剖析了货币政策和监管政策对银行信贷行为的影响效果,也指出两个决策当局为避免政策效果冲突存在政策协调的必要性。
Based on the data of 116 banks in China from 2002 to 2012 in BANKSCOPE database, this paper deeply studies the impact of monetary policy and regulatory policies on bank credit behavior, the study. The results show that monetary policy is still an important factor affecting the bank’s credit behavior in China. In the regulatory policy, a well-qualified and stable capital holding level is conducive to the growth of bank credit growth, which will weaken the negative impact of the tightening monetary environment on the expansion of bank credit and the regulatory pressure of different capital adequacy in coordination with monetary policy There are also differences in the credit behavior of banks under the Bank, and the impact of the dynamic provision ratio and the liquidity ratio on bank credit behavior is not significant. This article not only analyzes the effect of monetary and regulatory policies on bank credit behavior, but also points out the necessity of policy coordination between the two decision-making authorities to avoid conflicts of policy effects.