常州大学学报(社会科学版)2016，Vol.17Issue(1)：73-79,7.DOI:10.3969/j.issn.2095-042X.2016.01.011
存贷比取消对我国商业银行经营绩效的影响研究
On Influences of Canceling the Deposit-to-Loan Ratio on Performances of Commercial Banks in China
摘要
Abstract
The Deposit-to-Loan Ratio (DLR),as one of the statutory regulatory indicators,plays an sig-nificant role in keeping the stability of our countrys financial industry while it has obvious limitations.It is of practical significance to cancel the Deposit-to-Loan Ratio as a statutory regulatory indicator. Influences of canceling DLR on the performances of commercial banks in China are studied theoretically and empirically.It shows that the canceling of DLR has positive influences on performances of commercial banks and has more obvious impacts on small and medium-sized banks.Further researches suggest that commercial banks should keep a prudent attitude towards credits and loans,strengthen the management of assets and liabilities,and carry out financial innovation.As the supervision department,China Banking Regulatory Commission and Central Bank need to work out liquidity regulation index in accordance with national conditions as soon as possible.关键词
存贷比/商业银行/经营绩效/银行监管Key words
Deposit-to-Loan Ratio/commercial banks/business performances/banking supervision分类
管理科学引用本文复制引用
张海军..存贷比取消对我国商业银行经营绩效的影响研究[J].常州大学学报(社会科学版),2016,17(1):73-79,7.
