当前商业银行流动性过剩的成因与对策探析

2000年以来,我国金融机构存贷差持续扩大,商业银行超额存款准备金长期高企,商业银行流动性资产过剩问题凸现。流动性资产过剩引发货币市场利率和存款利率倒挂,商业银行收益率下降。本文从存款和贷款两个角度探讨流动性过剩的成因,分析了外汇占款和商业银行不良贷款剥离等多个因素对商业银行流动性的影响。要解决当前商业银行流动性过剩问题,最根本的是开展金融产品创新、金融市场创新和转换商业银行经营理念等。

Analyses on Causes and Countermeasures to the Excessive Liquidity of Commercial Banks

Since 2000,the loan-deposit gap of Chinese financial institutions has been enlarged continuously,and the amount of commercial banks' excessive reserve assets is also maintained on a relative high level.At such background,the issue of excessive liquidity within banking industry began to be a prominent issue in China's Financial Operation.As the issue of excessive liquidity being more and more serious than before,interest rate of money market decreased,then it caused the yield of commercial banks to be reduced.In this article,it analyzes the factors that caused the excessive liquidity from the aspects of deposit and credit.Those factors include the increasing of foreign exchange,the peeling of banks' non-performing loans etc.To solve this issue,the most essential measures need to be taken are financial innovations and logos transform of banking operation.