资本监管对商业银行创新能力的影响——基于流动性创造的视角
Journal: Economics DOI: 10.12238/ej.v7i11.2026
Abstract
面对我国资本监管趋严的时代环境与银行业竞争日益激烈的现状,商业银行创新发展已成为完善银行发展体系和更好服务实体经济的重要助推力。本文基于流动性创造,探究资本监管对商业银行创新能力的影响及其作用机制。实证结果表明：第一,资本监管会促进商业银行创新发展。并且,这主要体现在非国有控股商业银行样本中。第二,资本监管与商业银行流动性创造呈负相关关系。第三,更高的资本监管要求通过抑制商业银行流动性创造来提升商行的创新能力。
Keywords
资本监管；商业银行创新；流动性创造
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[5] Agénor P R,Aynaoui K E.Excess liquidity, bank pricing rules,and monetary policy[J].Journal of Banking & Finance,
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