宏观审慎监管对我国商业银行经营的影响.pdf

宏观审慎监管对我国商业银行经营的影响.pdf

wewhichwasworld’SwithMACRO.PRUDENTIALABSTRACTmostmoremaintainuseBaselBaselBanksBANKSbrokebanksbankbasisbankbank.basisaasTheG20TheTierhalfonouronourTHEreviewedreflectsChina’Snationalnewratiorealrelatedratio—·onCHINESEConservationOnOFOFoutof6attentionaboutandandandaboutandannualandannual2ofofofofofofofofoftoSUPERVISION2005—20contentdata0Nfinancialframework’Sfromframeworkforwardfinancialfourfromtothecrisisdefectcommitteecountries’consensusdrawcommercialcommercialdiscussescommercialcommercialdatathethethethetheestablishedthatthethetothetheeffectthethethethetoolsthesisthethethethese一一一surroundthestablestricterstandardsuchselectedlessonsliterature111inindividualinstitutions.Afterindicators.Itsisininfluence111IMPACT withwithwithmacrouseUnderbasedbanksbankbutbankbebanks.banksbankasaaaahavehadhowhowrecentononouronourourratioresultsratioCommercialratiosratioratioratiosreduceratio.SoriskresultscancanandSTATAandandandandauthoritiesandandaboveandaboutofofofofofofandandandandfourfinancialforforwardforfortotesttotocommercialdatachina.Thecorrelationcommercialcorrelationcorrelationcommercialchina’Scommercialdifferentconditioncommercialaboutthethethetools’thethatenhancetheexistthatthethateffectivethethethethethethethethethesisthetothesoftwareshowseriesloanlistedloanlawslevelindicatorinfluenceinitinintroducesinin 9 第二节宏观审慎监管对我国实体经济的影响…………………………29 第四章宏观审慎监管对我国商业银行经营影响的实证研究……………………3l 第一节描述性统计分析…………………………………………………3l 第二节面板数据模型的介绍……………………………………………36 第三节宏观审慎监管对商业银行经营影响的回归分析………………37 第四节结论………………………………………………………………44 一、资本充足率、拨备覆盖率与盈利性关系……………………。。44 二、资本充足率,拨备覆盖率与流动性关系……………………..44 三、资本充足率,拨备覆盖率与安全性关系……………………..45 第五章宏观审慎监管下我国商业银行经营的对策建议…………………………46 第一节商业银行经营改进意见…………………………………………46 一、增强内源性补充渠道…………………………………………..46 二、合理进行业务创新……………………………………………..46 三、加强流动性管理………………………………………………..47

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