摘要
流动性过剩、CPI上涨引发了通货膨胀之忧,银行信贷增长过快成为关注的焦点,为此,管理层重新采用了数量控制的手段。本文首先将我国银行信贷规模与国际银行业进行了比较,其次,分析了我国商业银行信贷决策的影响因素。结果表明我国银行信贷规模处于合理水平,商业银行信贷决策并无明显非理性。本文建议不能将信贷规模作为货币政策调控的直接工具,而应加强银行监管,继续银行业的市场化改革。
The excessive hquidity and the rise of CPI make us worry about inflation. Bank loan is paid so much attention that the management relauches quantity control. First, the article compares Chinese loan scale with other countries. Then, the essay analyses elements having influence on making loan decision. The article draws the conclusion that Chinese loan scale is reasonable and the decision is rational. So we should not use loan scale as the direct tool for monetary policy regulation. We should strengthen banking supervision and continue with the banking marketization reform.
出处
《财经科学》
CSSCI
北大核心
2008年第4期1-7,共7页
Finance & Economics
关键词
通货膨胀
信贷规模
存贷比
资产质量
Inflation
Loan Scale
Ratio of Deposit to Loan
Loan Quality
