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商业银行流动性过剩成因考察
引用本文:董积生,戴鉴雄.商业银行流动性过剩成因考察[J].财经科学,2007(1):10-16.
作者姓名:董积生  戴鉴雄
作者单位:1. 中国建设银行研究部,北京,100032
2. 广州开发区教育局,广州,510730
摘    要:商业银行流动性过剩问题引起了社会广泛关注和许多研究.本文另辟蹊径,从商业银行成本收益角度出发,通过对银行体系在中央银行超额存款准备金和银行间市场人民币交易成交的情况进行考察,得出当前我国商业银行仍旧面临着流动性过剩问题.商业银行流动性过剩是2004年以后才在我国经济领域中明显展露出来的.文章系统考察了影响商业银行流动性过剩的因素,认为主要是三个方面的因素对商业银行流动性过剩产生作用:分业经营体制下存差规模快速扩大;国际收支"双顺差"持续出现;货币流通速度加快.

关 键 词:商业银行  流动性过剩  成因
文章编号:1000-8306(2007)01-0010-07
收稿时间:2006-12-05
修稿时间:2006年12月5日

Causal Study on Liquidity Excess of Commercial Banks
Dong Jisheng,Dai Jianxiong.Causal Study on Liquidity Excess of Commercial Banks[J].Finance and Economics,2007(1):10-16.
Authors:Dong Jisheng  Dai Jianxiong
Abstract:The problem of excessive liquidity of commercial bank arouses wide attention and research. From other point of view, basing on the income and cost, by analyzing amount of excess deposit reserve in central bank and trade - off within bank market, this paper draws the conclusion that the commercial bank in China is now still facing with the problem of excessive hquidity which appears obviously from the year of 2004. There are three factors contributing to excessive liquidity of commercial bank, they are gap of deposit to loan swift expanding, continuing surplus of balance of payments, and speeding velocity of currency.
Keywords:commercial bank  excessive liquidity  cause
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