央行存款准备金率与商业银行贷款额之数量关系研究

    内 容 摘 要

存款准备金是指金融机构为保证客户提取存款和资金清算需要而准备的在中央银行的存款，中央银行要求的存款准备金占其存款总额的比例就是存款准备金率。中央银行通过调整存款准备金率，可以影响金融机构的信贷扩张能力，从而间接调控货币供应量。在实际操作中各国中央银行很少使用法定存款准备金率作为一个主要的政策工具加以运用，但近期我国人民银行已多次调整存款准备金率，频繁调整存款准备金率的期间，我国流动性过剩的问题一直没有得到很好的解决，CPI屡创新高。为了检验存款准备金率调整对我国金融机构贷款额是否有影响、影响多大。本文拟就采用计量分析的方法，对央行存款准备金率与商业银行贷款额之间数量关系进行实证研究，以期在实践操作中能够起到精准化、简单化、可策化的目的。

关键词：存款准备金率   商业银行贷款额   实证分析

Research on The Number of Relationship Between
Bank Deposit Reserve Ratio and Commercial Bank Loans

Abstract

Reserve refers to financial institutions to ensure that customers deposit and liquidation of funds in preparation for the needs of the central bank deposits, the central bank required deposit reserve ratio of its total deposits is the deposit reserve ratio. Central Bank by adjusting the deposit reserve ratio, financial institutions can affect the credit expansion, thus indirectly control the money supply. In the actual operation of central banks rarely used statutory deposit reserve ratio as a major policy tool to be used, but the recent People's Bank of China has repeatedly adjusted deposit reserve ratio, frequent adjustment of the deposit reserve rate, the liquidity surplus in China The problem has not been very good solution, CPI record high. To test deposit reserve ratio adjustment to China's financial institutions would affect the loan amount, how much impact. This paper on the use of quantitative analysis method, the central bank deposit reserve ratio for commercial bank loans and the number of relations between the empirical study, with a view to practical operation can play a precise and simplistic, the purpose of the strategy.

Key words:  deposit reserve ratio   commercial bank loans   empirical analysis

*若需了解更多与协助请咨询↓→[电脑QQ][手机QQ]【数据协助】