商业银行经营决策对我国货币供给的影响及建议

商业银行经营行为对我国货币供给的影响作用于基础货币投放和存款货币创造两个阶段。国有控股商业银行因其垄断性地位使得信贷投放过于集中、流动性管理水平低，其他股份制商业银行不受风险约束的盲目扩张倾向，都可能造成我国货币供给和调控政策实施效果偏离预期。针对以上问题，本文建议，国有控股商业银行应加强股份制改革，建立现代企业制度；其他股份制商业银行根据自身的条件确定发展方向，有序竞争。

The affect on China's money supply by the operation decision of commercial banks

Commercial banks affect the money supply through the following two ways： base money supply and deposit money creation. Due to the state-owned commercial banks＇ monopoly, credit over-concentration and low level of liquidity management have become visible, and other joint-stock commercial banks＇ expansion tendency with risk exposure, have caused China＇s money supply and control policy implementation are not as ideal as planed. In order to establish an orderly competitive bank system, the paper put forward some suggestions： First, state-owned commercial banks should conduct deepen reform, perfect corporate governance and well-control of risk-management; Second, other joint-stock commercial banks should enhance their risk awareness and make a better decision of development strategy.