从银行稳定性的内涵出发,基于2004-2011年银行业的季度数据,运用因子分析法从结构和规模两个维度对银行体系稳定性进行测度。分析结果表明,我国银行体系稳定性逐步增强,结构因素对银行体系的稳定性影响重大,规模因素受国内外经济环境影响,波动频繁,对系统稳定性也有相当影响。合理配置存贷结构,根据外部环境的变化控制信贷规模的增长,是保持和提高银行体系稳定性的有效措施。%In the post--financial crisis age, banking stability gets great attention of people from all the fields. In this paper, from the connotation level, quarterly data of the eight years, factor analysis is ap- plied to measure banking stability from term structures and scale. The study shows that banking sys- tems＂ stability has been gradually enhanced. Among all those {actors, the structural one is making a sig- nificant impact on banking stability, the unstable scale factor which is affected by domestic and interna- tional economic environments, also has great an influence. It is an effective measure to maintain and im- prove the stability of the banking system by configuring the savings and loan structure and controlling the growth of the credit scale according to the changing in the external environment.
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