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本文从商业银行的风险承担角度,结合我国转轨经济背景,检验商业银行风险承担水平以及所面临的融资约束对银行贷款供给的影响。研究发现,我国商业银行的风险承担水平与规模存在显著的负相关关系,且这种负相关关系在货币政策紧缩期间进一步加强;同时,由于中小规模银行的吸储能力较弱,面临的融资约束限制了中小规模银行在货币紧缩时期的风险承担水平,中等规模银行可以通过非存款融资缓解,但小规模银行存在融资硬约束。
In this paper, from the perspective of commercial banks risk commitment, combined with China’s transitional economy background, test the level of risk exposure of commercial banks and the financing constraints facing the bank loan supply. The study found that there is a significant negative correlation between the level of risk-taking and the size of commercial banks in China, and this negative relationship is further strengthened during the tightening of monetary policy. At the same time, small and medium-sized banks are limited in their financing constraints because of their weak storage capacity Small and medium-sized banks in the monetary tightening period of risk-taking level, medium-sized banks can be mitigated by non-deposit financing, but small-scale banks have hard financing constraints.