The Impact of Capital Structure of China's Commercial Banks on Their Liquidity Creation
Interest rate marketization has a significant role in improving the liquidity creation capabilities of com-mercial banks,but the capital structure of commercial banks is not conducive to improving their liquidity creation levels.Under the combined effect of the two,interest rate marketization has a more obvious effect on improving the liquidity creation ability of commercial banks,while the inhibitory effect of commercial banks'capital structure on their liquidity creation ability has been reduced.In addition,the asset size and non-performing loan ratio of com-mercial banks have a relatively obvious negative effect.However,the loan-to-deposit ratio of commercial banks and GDP growth rate have no obvious impact on the liquidity creation of commercial banks.Therefore,the nation should increase credit extension to enterprises with higher loan premiums and implement differentiated supervision strate-gies for different types of commercial banks.Commercial banks must accelerate business transformation and reduce their reliance on deposits,and realize the transformation of profit model from deposit and loan business to intermedi-ary business.
Interest Rate MarketizationCommercial Bank Capital StructureLiquidity Creation
NETL
NSTL
万方数据
