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兼具宏观和微观审慎监管功能的LTV限制 被引量:1

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摘要 全球性金融危机爆发后,作为兼具宏观审慎监管和微观审慎监管功能的工具之一,贷款成数限制的有效性得到广泛认可。根据对13个经济体的实证分析,实施LTV限制政策能降低银行体系对房地产价格变动和宏观经济波动的敏感度,缓解金融体系的顺周期性,防范系统性风险和单体银行的信用风险。尽管我国房地产调控政策效果不明显,但贷款成数限制政策仍应坚持,并不断完善,和其他监管工具配合使用。
作者 李永胜
出处 《统计与决策》 CSSCI 北大核心 2013年第17期169-171,共3页 Statistics & Decision
基金 国家社会科学基金资助项目(10BJY106)
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