中文摘要：

针对中国同业拆借市场中银行的交易行为相仿、并缺乏对拆借资金有效监管的问题，首先构建多Agent的动态银行网络模型，然后采用计算仿真的方法研究Agent的两种行为下（投资约束行为与未约束行为）银行网络系统的稳定性。结果表明，未加约束的同业拆借行为将导致银行系统的风险增大，并且当由此造成银行系统不稳定时，中央银行试图通过调整存款准备金率提高系统稳定的货币政策难有效果。

英文摘要：

In the China interbank market, the transaction behaviors of banks are similar and the interbank borrowing is short of regulation, which may result in a big problem. Considering this problem, the present paper constructs a dynamical bank network model, and then studies the sta- bility of the dynamical bank network system with unconstrained behavior and constrained behav- ior of the agents based on the method of computational simulation. The results show that uncon strained interbank borrowing behavior will increase the system risk of the bank system. Further- more, when the bank system becomes unstable due to this unconstrained behavior, it is difficult for the central bank to improve the stability of the bank system by adjusting the money policy of the deposit reserve rate.