华东师范大学学报(哲学社会科学版) ›› 2004, Vol. 36 ›› Issue (2): 111-118+124.doi: 10.16382/j.cnki.1000-5579.2004.02.017

• 金融问题研究 • 上一篇    

存贷成本约束与货币政策的信用渠道传导弱效

方显仓   

  • 收稿日期:2003-10-17 出版日期:2004-03-25 发布日期:2004-02-25
  • 作者简介:方显仓(197l-)，男，安徽六安市人，华东师范大学商学院讲师，经济学博士

The Deposit < Loan Cost Constraint and the Credit Channel Transmission of Monetary Policy

Xian-cang FANG   

  • Received:2003-10-17 Online:2004-03-25 Published:2004-02-25

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被引次数

11

摘要：

在利率管制的条件下, 由于我国国有商业银行的风险厌恶和存款偏好特性, 使银行的贷款供给不足和存款需求过大, 引起存贷款差额扩大, 从而导致我国货币政策信用渠道的传导机制不畅。因此, 应当从强化国有商业银行的风险管理水平、弱化国有商业银行存款成本软约束等方面, 有针对性地进一步完善我国货币政策信用传导机制。

关键词: 国有商业银行, 存款成本, 贷款风险, 货币政策, 信用渠道

Abstract:

Owing to the risk aversion (hard credit risk constraint) and deposit preference of state-owned commercial banks, their credit supply is not sufficient, deposit demand is too big, and balance of their deposits to loans is enlarging. As a result, the transmission mechanism of credit channel of our country's monetary policy is not smooth under a condition of interest rate control. We should improve transmission mechanisms of the credit channel.

Key words: credit risk, risk aversion, soft deposit cost constraint, balance of deposit to loan, credit channal of monetary policy

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