| 关于银行信贷逆周期监管政策的思考 |
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| 引用本文： | 黄荣哲,农丽娜.关于银行信贷逆周期监管政策的思考[J].浙江省政法管理干部学院学报,2011,1(3):52-58. |
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| 作者姓名： | 黄荣哲 农丽娜 |
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| 作者单位： | 黄荣哲,HUANG Rong-zhe(广西财经学院,金融系,南宁,530003);农丽娜,NONG Li-na(中国人民银行南宁中心支行,金融稳定处,南宁,530003) |
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| 基金项目： | 中国人民银行南宁中心支行2010年度重点研究课题《金融风险顺周期效应的实证研究》 |
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| 摘 要： | 次贷危机之后，动态调整的逆周期监管政策似乎可以成为缓解信贷顺周期的重要措施之一。然而，这种相机抉择的监管方法却有可能对银行体系和实体经济产生新的干扰。当政策效果存在明显时滞且未来经济不确定性增大时，监管部门应该在增强宏观经济预测能力的前提下慎重采用相机抉择的逆周期监管政策。
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| 关 键 词： | 顺周期性 资本充足率 相机抉择 货币学派 |
Consideration about Counter-cyclical Supervision of Banking Credit |
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| HUANG Rong-zhe,NONG Li-na.Consideration about Counter-cyclical Supervision of Banking Credit[J].Journal of Zhejiang Gongshang University,2011,1(3):52-58. |
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| Authors: | HUANG Rong-zhe NONG Li-na |
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| Institution: | 1. Financial Department, Guangxi University of Finance and Economics, Nanning 530003, China; 2. Financial Stabilty Department, Nanning Central Sub-branch of People＇s Bank of China, Nanning 530003, China) |
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| Abstract: | After subprime crisis, dynamically counter-cyclical policy seems to be one of important measures to reduce credit procyclicality. However, discretional supervision perhaps cast influence to banking system and real economy. When time lags exist and economic uncertainties increase, supervisor should cautiously adopt counter-cyclical supervision before improve capability to forecast macro-economy. |
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| Keywords: | procyclicality capital adequacy discretion monetarists |
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