中文摘要：

本文在商业银行风险承担理论分析的基础上,提出宏观经济增长影响商业银行风险承担的三个渠道：资产负债表渠道、风险偏好渠道以及间接渠道,验证宏观经济增长与银行风险承担之间的正向相关性。结果发现,东部地区的商业银行与宏观经济增长的相关性更强,即当宏观经济增长率提高时,东部地区商业银行会倾向于承担更低的风险。

英文摘要：

Based on the theoretical analysis of the risk-taking of commercial banks, the authors of this paper argue that three channels of macroeconomic growth will affect the risks of commercial banks： balance sheet, risk preference and indirect channel, and examine the positive correlation between macroeconomic growth and risk-taking of banks. It is found that the correlation between commercial banks and macroeconomics in the eastern region is stronger, which means that the commercial banks in the eastern region will take less risk when the macroeconomic growth rate increases.