目 录
监管约束下商业银行同业资产发展现状
摘要：本文在商业银行资本充足状况、资产质量、流动性等监管因素影响其同业资产发展的理论基础上，结合2010-2015年我国15家上市银行的相关数据进行实证分析。结果表明：资本充足率越高、监管政策越宽松，商业银行同业资产所占比重越大，且拨备覆盖率与大型银行同业资产占比正相关。在此基础上，本文为进一步规范和促进银行业同业业务健康稳定的发展提出一些建议。
关键字：同业资产；金融监管；发展现状
Abstract: Based on the theory that how the capital adequacy condition, asset quality and liquidity influencing the development of Chinese commercial banks’ interbank assets, combined with relevant statistical data from 2010 to 2015, the article will make the empirical analysis. The result of the empirical analysis shows that the larger the capital adequacy ratio is, the larger the interbank assets accounting are; the looser the regulatory policy is, the larger the interbank assets accounting are. In addition, there is a positive correlation between the interbank assets accounting of large banks and provision coverage. On the basis of the conclusion, the article will give some feasible suggestions to promote the development of banks’ interbank business to be more and more healthy and stable.
Keywords: interbank assets; financial regulation; development situation
