There are three basic factors that affect and determine the loan scale: (1) The process of loan demand and production will inevitably expand the loan scale accordingly. And vice versa, the tightness of monetary policy. Under the tight monetary policy, the central bank will reduce the lending capacity of commercial banks by increasing the deposit reserve ratio, rediscount rate and refinancing rate, and reduce the loans or discounts of commercial banks to the central bank, thus prompting commercial banks to reduce the loan scale; Or vice versa, the availability of loans from Dallas to the auditorium, that is, the amount of funds available to banks.
2. What are the factors that affect the scale of bank credit?
China's external factors are mainly macroeconomic operation. For example, the economy overheated at the end of 2007, and the CBRC required all banks to tighten their scale. After the economic crisis, the credit scale of all banks has expanded, and the growth of the four major banks is above 20%. Of course, for branches, it is related to local economic development, and the head office in developed areas gives more scale. Of course, when there is excess liquidity, enterprises do not have to borrow from banks, which will also affect the scale of bank credit, especially the structure of scale. Internal factors: the first is the bank's own deposits and capital. According to the Basel Accord and the requirements of China Banking Regulatory Commission, the total amount of credit is restricted by these factors. Secondly, due to the strategic impact of the development and transformation of various banks, some banks will naturally strive for greater credit scale if they want to expand their business scale.
Three. Factors affecting the loan scale of commercial banks
There are three basic factors that affect and determine the loan scale: (1) loan demand. If the effective demand for loans increases in the process of social reproduction, the scale of bank loans will inevitably expand accordingly. Or vice versa, Dallas to the auditorium ② the tightness of the central bank's monetary policy. Under the tight monetary policy, the central bank will reduce the loan capacity of commercial banks, increase the capital cost of commercial banks, and reduce the loans or discounts of commercial banks to the central bank by raising the deposit reserve ratio, rediscount interest rate and refinancing interest rate, thus prompting commercial banks to reduce the loan scale; Or vice versa, the availability of loans from Dallas to the auditorium, that is, the amount of funds available to banks.