我国商业银行流动性过剩问题探析

我国商业银行流动性过剩带有较强的外部输入特征,也与我国当前的体制性因素有关。国际收支持续顺差、银行信贷投放受制、直接融资发展、信用货币等都是我国商业银行流动性过剩的原因,对我国宏观经济运行和金融体系的稳定造成了很大的影响,在多种应对措施中,应加强主要政策的力度,逐步缓解商业银行流动性过剩的状况。

Analysis of Excess Liquidity in China's Commercial Banks

Excess liquidity in China's commercial banks has provoked public concerns for it's imposing signifi- cant effects,more negative than positive,on Chinese macro-economic and financial operations.Among the lots of factors,trade surplus,credit control by banks,development of direct finance,substitutes for cashes,etc. contributed the most so far.Therefore,selected countermeasures are figured out in this paper with some empha- sizing the reinforcement of existing actions.