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选取2006～2012年全国32家城市商业银行的面板数据为样本,分区域对银行信贷决策、风险控制与货币政策之间的传导机制进行实证检验。结果显示,资产水平、盈利水平、资产流动性和风险控制能力对信贷水平调整具有重要作用,但这些影响也都存在区域异质性;各区域城市商业银行资产规模对货币政策调整的适应性都不强,但三大区域城市商业银行风险资产调整对货币政策调整却都有一定的适应性。
The panel data of 32 city commercial banks in China from 2006 to 2012 are selected as samples, and sub-regions are empirically tested for the transmission mechanism between bank credit decision-making, risk control and monetary policy. The results show that asset level, profitability, asset liquidity and risk control play an important role in the adjustment of credit levels. However, these effects also have regional heterogeneity. The adaptability of asset scale of urban commercial banks to monetary policy adjustments Not strong, but the adjustment of risk assets of the three major regional city commercial banks has some adaptability to the adjustment of monetary policy.