中国银行体系中资金过剩的对策分析--三论资金流动性过剩  

Countermeasure Analysis of Excess Liquidity in China's Banking System—The 3rd Discussion on Excess Liquidity

作　　者：王国刚[1] 

机构地区：[1]中国社会科学院金融研究所副所长、研究员,100732

出　　处：《财贸经济》2009年第3期5-14,共10页Finance & Trade Economics

基　　金：笔者承担的国家社科基金重点项目(08AJY006)研究成果

摘　　要：资金过剩对中国经济运行和经济发展有着重要影响,因此,一些学者和政策制定者提出了一系列政策建议。笔者认为,减少外贸顺差不论选择何种路径,都是作茧自缚,对中国经济发展都是不利的;通过扩大居民"吃、穿、用"等方面的消费来拉动内需,不仅难度很大,而且潜力相当有限。要落实扩大内需政策,必须分离生产性投资和非生产性投资,通过加快非生产性投资的发展,提高与居民"住、行、学"消费相关的供给能力,为缓解资金过剩创造实体经济面的条件。Excess liquidity affects the operation and development of Chinese economy tremendously.Thus, various policy proposals have been made to improve it.This paper finds that reduction of trade surplus would hurt China's economic development,no matter what kind of way it would take. As well,it is not only difficult but also rather limited to expand the domestic consumption by increasing the consumption in food,clothing and daily spending of the residents.It is the right choice to separate the investment in production and the investment in non-production to expand the domestic consumption,and improve the supplying capability associated with the living,traveling and studying of the residents by accelerating the investment in non-production so as to create the conditions for the real economy to relax the pressure of excess liquidity.

关 键 词：中国银行体系 资金过剩 对策分析 

分 类 号：F832[经济管理—金融学]