我国货币政策对银行贷款行为分析

摘要

分析了我国近几年在不同经济形势下，所实施的货币政策工具（贷款基准利率和存款准备金率）与商业银行贷款的关系，并用格兰杰因果检验和回归分析论证了贷款基准利率和存款准备金率尤其是贷款基准利率对银行贷款行为有重要的调控作用。%This paper analyzes the relation between monetary policy tools of government （benchmark interest rate for loan and deposit reserve ratio） and lending behavior of commercial bank under different economic circumstances in the past few years, and Granger causality test and regression analysis demonstrates that benchmark interest rate for loan and the deposit reserve ratio, especially the latter one plays an important regulating role in bank lending behavior.