摘要
基于2008~2017年中国银行业微观数据,考察资本补充如何影响银行贷款配置。结果表明:权益资本补充有助于银行贷款资金的"脱虚向实";发行次级债无助于银行贷款资金的"脱虚向实";且这种影响普遍存在于国有银行之中,非国有银行中权益资本补充一般无助于贷款资金的"脱虚向实";地方债务扩张会弱化银行权益资本补充的效果。因此,要加大银行资本补充力度,鼓励银行补充一级资本,合理控制地方债务规模。
Base on banking micro-data from 2008~2017,this paper explores the impact of bank capital replenishment on the allocation of bank loans.The results show that equity capital replenishment helps the loans"shift from fictitious assets to real assets".Subordinated debt does not help the loans"shift from fictitious assets to real assets".The influence is widespread among state-owned banks.Equity capital replenishment in non-state-owned banks generally does not help loans"shift from fictitious assets to real assets".Local debt expansion will weaken the effect of banks’equity capital replenishment.Therefore,it is necesary for banks to strengthen the supplement of capital,encourage banks to replenish Tier 1 capital,and control the scale of local debts.
作者
梁虎
梁思靖
LIANG Hu;LIANG Si-Jing(College of Economics and Management,Wuhan University,Wuhan 430072,China)
出处
《经济体制改革》
CSSCI
北大核心
2021年第2期146-151,共6页
Reform of Economic System
基金
国家自然科学基金青年项目“法人治理、产权改革对农村信用社双重绩效的影响:机理研究与实证检验”(71903151)
教育部人文社会科学研究青年项目“乡村振兴战略背景下法人治理对农村信用社绩效的影响机理与优化路径研究”(19YJC790181)。
关键词
贷款配置
银行治理
资本补充
脱虚向实
loan allocation
bank governance
capital replenishment
shift from fictitious assets to real assets
