摘要
本文实证研究了货币政策、金融创新与商业银行收入结构之间的关系,结果表明国内上市商业银行的创新活动与收入结构常常受到存贷利差政策和法定存款准备率政策的冲击,而且与存贷利差政策相比较,法定存款准备率政策更加有效。尽管存在政策推动,但是现阶段国内上市商业银行的自主创新与引致创新仍然略显不足。
The paper empirically analyzes the relationship among monetary policy, financial innovation and reve- nue structure of commercial bank. The results show that financial innovations and revenue structures of listed commercial banks are usually influenced by interest spreads and deposit reserve rates. What＇ s more, the effects of deposit reserve rates are greater than that of interest spreads. Despite of policy promotion, listed commercial banks are lack of independent innovations and induced innovations.
出处
《区域金融研究》
2015年第5期16-18,共3页
Journal of Regional Financial Research
关键词
货币政策
商业银行
金融创新
Monetary Policy
Commercial Bank
Financial Innovation
