宽松货币政策对商业银行风险承担的影响机制

随着我国经济金融体制改革的逐步深化和金融体制的不断完善，货币政策已经成为政府进行宏观调控的重要手段。商业银行作为因承担风险而发展经营的独立个体，货币政策对其的风险承担机制有着重要的影响。本文从货币政策影响银行风险承担的作用机理入手,利用年报数据,对我国三家上市银行的风险承担行为的影响因素进行实证分析.论文选取了一年期贷基准利率和广义货币M2余额2个影响因素作为解释变量,并且利用风险资产占总资产的比重（RISKT）作为风险承担的替代变量分别进行回归分析,结果表明,宽松货币政策对银行的总体风险承担影响显著。宽松货币政策与商业银行的风险承担呈负相关关系，随着利率水平的降低，银行风险承担提高。

关键词：宽松货币政策、银行风险承担渠道、影响机制

ABSTRACT
  With the gradual deepening of the economic-financial system reform and the constant improvement of the financial system in China, monetary policy become an important means of government Macroeconomic regulation and the control .As independent operating individuals of risking-taking
,monetary policy plays an important roel in the risk-taking of banks.
Based on the mechanism of monetary policy affecting the risking-taking of banks ,with the data sample of Chinese 3 listed banks and the using of Stata ,the paper empirically analyses the impacts of Chinese banks ,
that is , loose monetary negatively relates to the risk-taking of Chinese banks ;loose monetary policy encouring banks to takes risks ;With the decrease of loan interest rate ,the risk-taking of banks increase ;
 
Key  Words :loose monetary policy,risk-taking channels of commercial bank
,the effect of mechanism

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