M1与M2增速差持续扩大趋势下商业银行经营策略思考  

Business strategies of commercial banks under the growing gap between the M1 and M2 money supply

作　　者：宋艳伟 

机构地区：[1]上海浦东发展银行总行战略发展部

出　　处：《中国货币市场》2016年第11期62-66,共5页China Money

摘　　要：货币的交易和投机需求上升导致了M1与M2同比增速差的扩大，体现在准货币增速的放缓和单位存款活期化趋势的增强。这反映出经济金融运行中的一些问题，如流动性风险加大、未来降准可能性和通胀攀升等。鉴于此，文章对商业银行经营策略提出几点思考。The rise in transaction and speculative demand for money has increased the gap between M1 and M2 year- on-year growth, which reflects the slowdown in quasi-currency growth and the growth of corporate demand deposits. These reveal some issues in economic and financial running, such as higher liquidity risk, possibility of reducing deposit reserve requirement and rising inflation. On this basis, the article puts forth some thinking concerning business operations of commercial banks.

关 键 词：银行经营策略 商业 经济金融运行 流动性风险 投机需求 单位存款 准货币 可能性 

分 类 号：F832.33[经济管理—金融学]