财经科学
財經科學
재경과학
Finance and Economics
2006年
4期
1~7
,共null页
流动性过剩 贷款有效需求不足 盈利困境
流動性過剩 貸款有效需求不足 盈利睏境
류동성과잉 대관유효수구불족 영리곤경
excessive liquidity; insufficient effective loan demand; profit dilemma
当前我国金融运行中存在着银行流动性过剩的突出问题，其主要表现为存差持续扩大、超额准备全居高不下、M2与M1持续背离、货币市场利率持续走低等。本文深入解释了银行流动性过剩形成的具体原因，着重从微观运行的角度剖析了流动性过剩的出现对银行经营特别是银行盈利水平的影响，并基于金融结构创新的视点提出了．相应的对策建议。
噹前我國金融運行中存在著銀行流動性過剩的突齣問題，其主要錶現為存差持續擴大、超額準備全居高不下、M2與M1持續揹離、貨幣市場利率持續走低等。本文深入解釋瞭銀行流動性過剩形成的具體原因，著重從微觀運行的角度剖析瞭流動性過剩的齣現對銀行經營特彆是銀行盈利水平的影響，併基于金融結構創新的視點提齣瞭．相應的對策建議。
당전아국금융운행중존재착은행류동성과잉적돌출문제，기주요표현위존차지속확대、초액준비전거고불하、M2여M1지속배리、화폐시장리솔지속주저등。본문심입해석료은행류동성과잉형성적구체원인，착중종미관운행적각도부석료류동성과잉적출현대은행경영특별시은행영이수평적영향，병기우금융결구창신적시점제출료．상응적대책건의。
A prominent issue in present China＇s financial operation is that there exists excessive liquidity within banking industry, the main exhibitions of which are： Enlarging loa- ndeposit gap, high excessive reserve, deviated M2 and M1, and decreasing interest rate of money market, etc. This parer first probes into detailed causes for the resulted excessive liquidity within banking. Then, in a micro way, it analyses its influences upon bank operating, especially upon operation results. Finally, from the view of financial innovation, some corresponding policy proposals are put forward.
