| 商业银行最优存贷款比率:经验模型及实证分析 |
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| 引用本文： | 王相敏,高向飞,陈文娟. 商业银行最优存贷款比率:经验模型及实证分析[J]. 东北师大学报(哲学社会科学版), 2007, 0(1): 56-62 |
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| 作者姓名： | 王相敏 高向飞 陈文娟 |
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| 作者单位： | 1. 东北师范大学,经济学院,吉林,长春,130117
2. 吉林大学,经济学院,吉林,长春,130012 |
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| 摘 要： | 笔者通过理论模型和计量分析对商业银行存贷款比率进行研究,发现存贷款利率和存贷款比率存在协整关系,存款利率和贷款利率是存贷款比率的决定因素;基于存贷款比率与经济增长和金融风险均存在正相关关系,而金融风险对经济增长具有消极作用,模型推导并计算出了最优存贷款比率,并依此提出适当提高贷款利率的政策建议.
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| 关 键 词： | 存贷款比率 存款利率 贷款利率 |
| 文章编号： | 1001-6201(2007)01-0056-07 |
| 修稿时间： | 2006-10-23 |
The Optimum Rate between the Loans and Deposits: An Empirical Model and Analysis |
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| WANG Xiang-min,GAO Xiang-fei,CHEN Wen-juan. The Optimum Rate between the Loans and Deposits: An Empirical Model and Analysis[J]. Journal of Northeast Normal University(Social Science), 2007, 0(1): 56-62 |
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| Authors: | WANG Xiang-min GAO Xiang-fei CHEN Wen-juan |
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| Abstract: | This article studies the rates between the loans and deposits of commercial banks by empirical model and econometrics model,finding that deposit rates and loan rates co-integrate with the rates between the loans and deposits,deposit rates and loan rates determine the rates between the loans and deposits.According to the fact that the rates between the loans and deposits are positive to economic growth,but negative to financial stability which promotes economic growth,the model deduces and calculates the optimum rate between the loans and deposits,followed by corresponding policy implication that the loan rate should be raised. |
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| Keywords: | rates between the loans and deposits deposit rates loan rates |
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