货币政策对我国商业银行信贷供给的影响效应分析word格式论文.docxVIP

表现在各银行的资本充足率上；而股份制商业银行对货币政策的差异反应主要源于流动性水平的不同。最后文章根据实证结果反映的问题，分别在宏观层面和微观层面给出了相应的政策建议。关键词：货币政策；银行信贷渠道；信贷供给；面板数据模型ResearchontheImpactsofMonetaryPolicytoChineseCommercial BanksCredit SupplyAbstractThestudyoftherelationshipbetweenmonetaryandrealeconomyrunningisthe focusofdebatinginthemonetaryandfinancialtheory.Theeffectiveness ofmonetary policyandthemonetarypolicytransmissionmechanismhasbeenanexploredhotin academia.Intheory,theaccelerationoftheprocessofmonetizationprocess,the establishmentandtheconstantexpansionofcurrencymarketandcapitalmarket,all oftheseprovidethenecessarymaterialbasisfortheeffectivenessofthemonetary policy.Theprogressesofmarket-orientedinterestratereform,theincreasinglyrich andperfectofmonetarypolicytoolsprovideavarietyofmonetarypolicymix.These achievementsinthereformofChina’sfinancialindustryimprovethemonetarypolicy transmissionspace,butatthesametimeincreasethedifficultyofthecentralbank’s analysis andgrasptothemonetarypolicytransmissionmechanism.Indirectfinancingoccupiesanimportantproportioninsocialfinancingstructure. Thecreditbehaviorof commercialbankhasadirectimpactontheeffectofmonetary policytransmission.Notmarket-orientedinterestrateformationmechanismandsmall scaleofcapitalmarketcausetheeffectivenessofinterestratetransmissionchannels andassetpricetransmissionchannelsofmonetarypolicyinourcountry.Currently, thecredittransmissionisthemainchannelofmonetarypolicytransmissionchannels. Commercialbanksasanimportantcarrierofthecreditchannel,itscreditbehavior determinetheultimateeffectofthemonetarypolicydirectly.Thepapersummarizestheclassicaltheoryonmonetaryneutral,sortoutthe credittransmissionmechanismandcommercialbankcreditsupplytheory.Through theanalysisofthestatusquoandchangeofChina’smonetarypolicyimplementation, observationtheprerequisite’savailabilityfortheeffectivefunctioningofcredit channel.Combiningthethreemonetarypolicytools,thispaperdetailedanalysisthe mechanismof theimpactofmonetarypolicytothebanks’creditsupply.Bymeans of asimplifiedbanks’balanc