商业银行流动性过剩问题解析  

On Excess Liquidity of Commercial Banks

作　　者：胡东兰[1] 

机构地区：[1]合肥工业大学人文经济学院,合肥230009

出　　处：《合肥工业大学学报（社会科学版）》2008年第6期89-93,共5页Journal of Hefei University of Technology(Social Sciences)

摘　　要：选择超额准备金、银行存贷差、银行间市场人民币交易成交量和货币供给为指标,从量化的角度对近年来我国商业银行流动性过剩问题进行分析,并说明其对商业银行本身和宏观经济产生的负面影响,然后从经济运行的宏观角度、商业银行和居民的微观角度探讨我国商业银行流动性过剩的原因。在此基础上,提出了解决流动性过剩问题的若干对策建议。By choosing the excess reserve of bank, loan--to--deposit poor, the inter-bank market turnover of Renminbi transactions and money supply as indicators, from the quantitative point of view, the article analyzes China＇s excess liquidity of commercial banks in recent years, and elaborates its negative impact on commercial banks themselves and the macro-economic. Then, from the macro-perspective of the economic operation, micro-perspective of commercial banks and the residents to analyze reasons for China＇s excess liquidity of commercial banks. Based on these, several proposals are put forward to solve the excess liquidity.

关 键 词：流动性过剩 现状 影响 原因 对策建议 

分 类 号：F830.33[经济管理—金融学]