我国银行存差问题的实证研究(1995-2004年)——基于银行行为和制度变迁的分析  

An Empirical Study on Chinese Financial Institutions'Problem of Loan-and-deposit Deviation from 1995 to 2004

作　　者：周向雯[1] 

机构地区：[1]广东金融学院金融系

出　　处：《学术研究》2006年第3期66-72,共7页Academic Research

摘　　要：自1995年以来,我国银行各项存款大大超过了各项贷款。本文从中央银行和商业银行的行为研究我国银行存差现象,实证研究表明:我国银行存差是实施积极财政政策和稳健货币政策的重要基础,经济总量与银行存差现象是高度相关的;银行存差现象虽不能直接确认金融对经济的支持力度弱化,但给中央银行带来了新的挑战。During the early period of 1990s, Chinese financial institutions'total loans amount is much larger than their total deposit amount. However, after 1995, the situation changed. Currently the deposit amount has exceeded the loans amount for 7,000 billions. Economists usually analyze the phenomenon through the commercial banks'multi-assets and policy-loans diversion, and the issuing channel of basic currency. Contrastively, the paper focuses on the balance sheet of central bank to study the loan-deposit gap of finacial institution in China, summarized the current characteristics of the margin between the deposits and loans of the financial institutions. Furthermore, the causes that lead to the phenomenon are analyzed in the paper.

关 键 词：存贷差 中央银行 商业银行 经济增长 

分 类 号：F832.2[经济管理—金融学]