摘要
我国进入经济新常态后,维持商业银行扩张的高速经济增长条件发生变化,亲周期行为加大了信用风险和持续发展难度。研究发现,信贷投放、会计制度、监管政策以及心理预期是商业银行的亲周期行为。当前,我国宏观经济政策和宏观审慎监管框架为商业银行降低亲周期行为风险奠定了基础,增长动力转换和经济结构调整提供了难得发展机遇,商业银行应从发展战略、业务结构、创新能力、体制机制方面着手逐步缓释其亲周期效应,实现长期持续稳定发展。
The high economic growth conditions of commercial banks rapid expansion have changed after entering into the ＂new normal＂, and the procyclical has increased the credit risk and hinder sustainable development. The study shows, credit loan placement, accounting system, regulatory policy and psychological expectations can induce the procyclical behavior of commercial banks. At present, China＇s macroeconomic policy and macro prudential supervision framework are favorable to commercial banks risk originated from procyclical behavior, power conversion of economic growth and industrial structure adjustment provide a rare opportunity for development, commercial banks should release procyclical effect from the development strategy, business structure, innovation ability and institutional, then achieve long-term sustainable and stable development.
出处
《金融理论与实践》
北大核心
2015年第11期64-67,共4页
Financial Theory and Practice
关键词
商业银行
亲周期性
信贷投放
会计制度
监管政策
commercial banks
procyclicality
credit loan placement
accounting system
regulatorypolicy
