CAJ | 학술논문

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凸现。流动性资产过剩引发货币市场利率和存款利率倒挂，商业银行收益率下降。本文从存款和贷款两个角度探讨流动性过剩的成因，分析了外汇占款和商业银行不良贷款剥离等多个因素对商业银行流动性的影响。要解决当前商业银行流动性过剩问题，最根本的是开展金融产品创新、金融市场创新和转换商业银行经营理念等。
2000년이래，아국금융궤구존대차지속확대，상업은행초액존관준비금장기고기，상업은행류동성자산과잉문제철현。류동성자산과잉인발화폐시장리솔화존관리솔도괘，상업은행수익솔하강。본문종존관화대관량개각도탐토류동성과잉적성인，분석료외회점관화상업은행불량대관박리등다개인소대상업은행류동성적영향。요해결당전상업은행류동성과잉문제，최근본적시개전금융산품창신、금융시장창신화전환상업은행경영이념등。
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. At such background, the issue of excessive liquidity within banking industry began to be a prominent issue in China＇s Financial Operation. As the issue of excessive liquidity being more and more serious than before, interest rate of money market decreased,then it caused the yield of commercial banks to be reduced. In this article,it analyzes the factors that caused the excessive liquidity from the aspects of deposit and credit. Those factors include the increasing of foreign exchange,the peeling of banks＇ non- performing loans etc. To solve this issue,the most essential measures need to be taken are financial innovations and logos transform of banking operation.