财经科学
財經科學
재경과학
Finance and Economics
2006年
7期
1~6
,共null页
流动性过剩 商业银行 存贷差
流動性過剩 商業銀行 存貸差
류동성과잉 상업은행 존대차
excessive liquidity; commercial bank; deposit - loan difference
2000年以来，我国金融机构存贷差持续扩大，商业银行超额存款准备金长期高企，商业银行流动性资产过剩问题开始凸显。从宏观行业的角度。运用定性和定量分析相结合的方法，发现外汇占款的增长迅猛、银行间企业直接融资工具的发展、不良贷款的剥离、现金需求比率的下降以及证券市场的长期低速是引发我国银行业存贷差持续上升的主要原因。
2000年以來，我國金融機構存貸差持續擴大，商業銀行超額存款準備金長期高企，商業銀行流動性資產過剩問題開始凸顯。從宏觀行業的角度。運用定性和定量分析相結閤的方法，髮現外彙佔款的增長迅猛、銀行間企業直接融資工具的髮展、不良貸款的剝離、現金需求比率的下降以及證券市場的長期低速是引髮我國銀行業存貸差持續上升的主要原因。
2000년이래，아국금융궤구존대차지속확대，상업은행초액존관준비금장기고기，상업은행류동성자산과잉문제개시철현。종굉관행업적각도。운용정성화정량분석상결합적방법，발현외회점관적증장신맹、은행간기업직접융자공구적발전、불량대관적박리、현금수구비솔적하강이급증권시장적장기저속시인발아국은행업존대차지속상승적주요원인。
Since 2000, the loan- deposit gap of Chinese financial institutions has been enlarged continuously, and the amount of commercial banks＇ excessive reserve assets is also maintained on a relative high level. Against such background, the issue of excessive liquidity within banking industry began to be a prominent issue in China＇s financial operation. From macro- industry standpoint and using the ways of quantitative and qualitative analyses, this paper draws the conclusion that the increasing of foreign exchange reserve, the development of inter- bank direct financing instruments, the decrease of cash demand ratio, the peeling of banks＇ non - performing loans and the sags of stock markets are the main causes of the excessive liquidity of Chinese commerciai Banks.
