目 录一、引言...............................................................................................................................1二、文献综述.......................................................................................................................1（一）国外研究现状（二）国内研究现状三、监管约束下商业银行同业资产发展的理论分析.......................................................3（一）资本充足状况（二）资产质量（三）存贷利差（四）流动性（五）监管政策变化（六）其他因素四、监管约束下商业银行同业资产发展的实证分析.......................................................5（一）模型设立及变量的定义（二）样本数据的描述性统计（三）多元回归模型数据分析五、结论和建议.................................................................................................................10（一）结论（二）建议参考文献...................................................................................................................................12监管约束下商业银行同业资产发展现状的实证分析摘要：本文在商业银行资本充足状况、资产质量、流动性等监管因素影响其同业资产发展的理论基础上，结合 2010-2015 年我国 15 家上市银行的相关数据进行实证分析。结果表明：资本充足率越高、监管政策越宽松，商业银行同业资产所占比重越大，且拨备覆盖率与大型银行同业资产占比正相关。在此基础上，本文为进一步规范和促进银行业同业业务健康稳定的发展提出一些建议。关键字：同业资产；金融监管；发展现状Abstract: Based on the theory that how the capital adequacy condition, asset quality and liquidity influencing the development of Chinese commercial banks’ interbank assets, combined with relevant statistical data from 2010 to 2015, the article will make the empirical analysis. The result of the empirical analysis shows that the larger the capital adequacy ratio is, the larger the interbank assets accounting are; the looser the regulatory policy is, the larger the interbank assets accounting are. In addition, there is ...
