中国商业银行流动性过剩的成因与潜在风险分析  

An Analysis on the Reasons for Liquidity Excess of Commercial Banks in China and its Potential Risks

作　　者：田素华[1] 

机构地区：[1]复旦大学世界经济系,上海200433

出　　处：《财经理论与实践》2007年第4期8-13,共6页The Theory and Practice of Finance and Economics

基　　金：教育部人文社会科学立项课题(项目批准号:02JA790017);上海市哲学社会科学规划课题(项目批准号:2005BJL001);复旦大学世界经济学科985创新基地项目"中国经济国际环境竞争力研究"课题的部分研究成果

摘　　要：中国经济中的流动性过剩广泛存在于商业银行并以国有商业银行为主。过于依赖利息收入,对非利息收入业务开发缓慢或者受到限制,是中国商业银行存款相对过剩的根本原因。缺乏信用风险定价能力不能充分行使存贷款利率定价自主权、商业银行全面实施股份制改造、外资银行进入和外商直接投资持续大规模流入及骨干企业产能资金双重过剩等因素,是引起中国商业银行流动性过剩的直接原因。存款相对过剩会降低银行经营利润,恶化其资产风险构成。深度开放商业银行经营范围,在强化市场管理机制的基础上提高商业银行特别是国有商业银行的经营自主权,以及进一步发展股票市场,改善外资经济结构等,有助于缓解中国商业银行存款过剩压力。Liquidity excess is a common problem in commercial banks in China, especially in state - owned commercial banks. This phenomenon is fundamentally caused by two aspects： return of China＇s banks excessively depending on loan and credit business, and restraint of non-interest business. Banks don＇t have full autonomy to pricing deposit and loan interest rates since Lack of the ability for pricing credit risk. Direct reasons lie on as following： further deepening of commercial banks＇ share system reform, sustained increase of foreign direct investment and production overcapacity of backbone enterprises. The ongoing liquidity excess in China＇ s finance system will reduce banks profit and deteriorate the formation of capital risk. The solutions are presented as following： to further open commercial banks business, increase the autonomy power of state-owned commercial banks, develop stock market and improve structure of foreign investment.

关 键 词：存款过剩 产能过剩 非利差收入 股票市场 

分 类 号：F830.33[经济管理—金融学]