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从市场结构变化对银行行为动机影响的微观视角来解释银行稳定问题,作为一个新兴的研究领域,在近十几年来取得了日渐丰富的成果。对这些理论成果进行系统全面地梳理、总结,有助于在金融自由化与开放背景下正确认识我国银行业市场结构的变迁、银行信贷行为动机的变化以及银行稳定之间的关系。
From the microscopic perspective of the impact of changes in market structure on bank behavior motivation, we have explained the problem of bank stability. As an emerging research field, it has achieved increasingly rich results in the past ten years. A systematic and comprehensive review of these theoretical achievements helps to correctly understand the changes in China’s banking market structure, changes in the motivation of bank credit behavior and the relationship between bank stability under the background of financial liberalization and opening up.