我国金融机构的存差:历史沿革和含义变化

1994年以来,我国银行体系的存差规模不断扩大,并成为国内学者关注的焦点。针对当前国内学者对金融机构"存差"概念的不同认识,本文旨在为分析这一问题提供合理的分析视角。研究表明:金融机构存差的机构口径差异是导致国内学者出现模糊认识的关键。本文从信贷管理体制历史沿革的角度对不同时期我国金融机构存差的含义进行了分析,解释了区域金融的视角下对存差扩大的不同理解。文章最后还讨论了我国金融机构存差的扩大与目前国内流动性过剩之间的关系。

THE DEPOSIT-LOAN GAP IN CHINA: HISTORICAL EVIDENCE AND IMPLICATIONS

Since 1994, the gap between loans and deposits in Chinese financial institutions has increased gradually to a point that catches the attention of economists and policy makers. This paper aims at offering a new and proper perspective on the gap. The author believes that differences among different financial institutions are crucial to the analysis of the deposit-loan gap. With a review of the evolution of the Chinese banking system and credit management system, we have discussed the changed implications of t...