解决我国商业银行流动性过剩问题的对策研究

商业银行的流动性过剩主要存在商业银行存差持续扩大、超额准备金居高不下、货币供应量增长过快和商业银行信贷反弹过快等四大表现.商业银行体系流动性过剩问题是多种因素综合作用的结果,且其会对我国的经济金融造成一些危害,为此,本文从商业银行角度出发,对解决流动性过剩问题提出如下对策建议:优化资产结构,提高资金运用边际收益;以利率为主要变量,实施收益精细化经营;树立以客户为中心的经营理念,积极发展零售和批发业务;加快创新,增强商业银行管理能力;探索"走出去"战略的金融支持体系,加快商业银行发展以及改善金融生态环境等.

Countermeasures against Excess Liquidity in China's Commercial Banks

Excess liquidity of commercial banks is believed to be attributable to four factors like widening gap of balance between deposit and loans, high level of super reserves, quick growth of money supply and speedy rebound of credit extended by commercial banks. Being the comprehensive result of multi-factors, it will harm our economy and finance. To rein in excess liquidity from the perspective of commercial banks, the paper offers the following countermeasures: optimize capital structure to increase marginal returns of capital utilization; use interest rate as a major variable to realize profit fine management; conceptualize customer-focused operation to do retail and wholesale business; accelerate innovation to enhance managing capabilities and explore "going out" strategy as a financial supporting system to quickly expand their development and improve eco-financial environment.