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本文对现今商业银行表外贷款业务现状进行了仔细分析,探讨了我国商业银行表外贷款及其对货币政策传导机制的影响。通过研究发现,商业银行表外带宽对不同货币政策实施效果的影响缺乏对称性。在现今紧缩性货币政策的指导下,表外贷款等各种业务也加快了扩张速度,业务扩张的同时也会对货币政策的实施造成严重影响;随着现今扩张性政策的实施,商业银行表外业务正以迅雷不及掩耳之势的速度发展,但是表外贷款等业务对货币政策的实施效果没有造成明显的影响。本文以此为论点,在探讨后提出了货币政策实施的建议。
This paper analyzes the current status of off-balance-sheet lending business of commercial banks, and discusses the impact of off-balance sheet lending and its influence on monetary policy transmission mechanism. Through the research, it is found that the influence of commercial banks’ off-balance-bandwidth on the effect of different monetary policies lacks symmetry. Under the guidance of the current tightening monetary policy, the various types of businesses such as off-balance-sheet lending also accelerate the pace of expansion and the business expansion will also have a serious impact on the implementation of monetary policy. With the expansion of current policies, Foreign businesses are developing at lightning speed, but operations such as off-balance-sheet lending have not had any significant impact on the implementation of monetary policies. Based on this argument, this paper puts forward some suggestions on the implementation of monetary policy.