【摘要】 本文运用多因素计量经济模型实证了我国商业银行存款增长率与存贷比及其增长率、资产权益比率及其增长率、净值报酬率及其增长率这些风险变量之间的关系。结果表明,存款人对我国商业银行施加了一定的市场约束力,但市场约束力较弱,因而目前仍应以监管手段为主来控制商业银行的风险。更多还原

【Abstract】 This paper demonstrated the relationship of these risk variables among Chinese commercial banks’ deposit growth rate and deposit-loan ratio,deposit-loan ratio’s growth rate,equity-assets ratio,equity-assets ratio growth rate,ROE and ROE growth rate using a multi-vector econometric model.The result of such model showed very weak market discipline of depositors over commercial banks,so in China the commercial banks’ risk should be controlled mainly by the government regulations at present time.更多还原