商业银行资本充足率与贷款组合问题研究-金融学专业论文.docxVIP

重庆大学 重庆大学硕士学位论文 英文摘要 PAGE PAGE IV loan rate. In addition, the paper uses the local credit index as an outside factor and study the relationship between the index and the loan combination. The empirical results show that credit index also has significantly positive correlation between the capital adequacy and the credit loan rate, and has no significant correlation to the personal loan rate. Further, the improvement of local credit environment can intensify the influence of the capital adequacy rate to the credit loan rate. Keywords: commercial bank, capital adequacy rate, loan combination,