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当政府对不符合资本适足率的银行, 所限制的严重性程度很低时, 银行的放款行为将比较不会受到其影响, 不会因此而扭曲; 而当政府对不符合资本适足率的银行, 所限制的严重性程度很高时, 银行的放款行为将因此受到影响, 而很有可能产生扭曲的现象; 而这个扭曲, 可能是意味着银行的放款行为变得较为保守, 或者变得较为激进。
When government places a low level of limit on bank not passing capital requirements, bank loan will not be influenced and distorted thereby; on the contrary, high level of limits will lead to distortion; the distortion may mean that bank loan will become conservative or comparatively radical.
当证券市场价格上扬, 透露出正向的讯息时, 银行手中的现有资产出现减损的可能不大。 这时候如果资本适足率不高, 银行就有意愿正常放款; 如果资本适足率很高,银行反而会放弃贷款的利润或者承担更多的风险, 宁愿保留资金在手中, 期望从现有资产之中收取利润, 来通过资本适足率。
When prices of stock market rise and reveal positive information, current assets bank held in hand has low possibility to be reduced; At this time in case of low capital adequacy ratio, bank is willing to grant loan normally; in case of high capital adequacy ratio, bank abandons loan benefit or takes more risks to reserve capital with the expectation gaining benefit from current assets to pass capital requirement.
当证券市场价格下跌, 透露出负向的讯息时, 银行手中的现有资产出现减损的可能很大, 这时候如果资本适足率不高, 银行会放弃贷款的利润或者承担更多的风险,宁愿保留资金在手中, 期望从现有资产之中收取利润, 来通过资本适足率; 如果资本适足率很高, 银行反而有意愿正常放款, 因为无法通过资本适足率的机率很高, 银行会选择放弃提高通过资本适足率的机率, 选择获取正常的贷款利润。
In case that the price of stock market decreases and reveals negative information, current assets bank held in hand has high possibility to be reduced; at this time in case of low capital adequacy ratio, bank abandons loan benefit or takes more risks to reserve capital with the expectation gaining benefit from current assets to pass capital requirement; in case of high capital adequacy ratio, bank instead intends to grant loan normally. Owing to the high possibility of failing to pass capital requirement, bank abandons increasing possibility to pass capital requirement but to choose to gain normal loan benefit.
所以这时候, 证券市场透露出关于银行手上现有资产的风险性大小的信息, 因此证券市场上的价格波动, 就会影响银行的放款行为, 做为该家银行客户的公司, 其股价将会连带受到牵连, 但是并不一定是正相关或负相关, 而是都有可能。
Under this condition therefore, securities market reveals risk information concerning current assets held by bank, and thereby price fluctuation of securities market will influence bank's loan decision. As a client of this bank, the company's share price will be influenced and it may be positive correlative or negative correlative.
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