关于银行存款额减少的思考  

Reflection on the Decrease of Bank Deposits

作　　者：马睿宏 

机构地区：[1]民生银行冶金金融事业部太原分部,山西太原030001

出　　处：《山西广播电视大学学报》2014年第3期84-87,共4页Journal of Shanxi Radio & TV University

摘　　要：银行是国民经济运行开启的总闸门,是经济运营的总会计、总出纳,没有大银行就难以建成社会主义。但改革开放以来,没有很好地研究市场经济条件下金融市场的运行规律,导致金融市场的混乱,商业银行间盲目竞争,社会非法和诈骗集资严重,高官巨贪,卷款潜逃,使银行存款额下降,将会严重影响国民经济的良性循环。为此,政府应把银行资金短缺看作是和国家政治、经济命运紧密相连的政治问题解决。Bank is the total gate of opening national economy,and is the general accounting and the general cashier of economic operation,so without big bank,it is hard to build socialism. But since the reform and opening up,we haven＇t studied well the rule of the financial market under the condition of market economy,leading to the turmoil in the financial markets,blind competition among commercial banks,serious illegal social raise and fraud,officials＇ corruption and skiping off with the money,which makes the decline of bank deposits,and will seriously affects the virtuous cycle of the national economy. Therefore,the government should see the shortage of bank capital as a political problem closely connected with the national politics and economic destiny to solve.

关 键 词：银行存款减少 金融监管 治理融资环境 

分 类 号：F832[经济管理—金融学]