CAJ | 학술논문

人口结构和劳动力迁移是引起中国金融系统中流动性过剩的重要因素之一，但由此引起的流动性过剩具有短期特征，这是影响2008—2010年期间中国金融市场走势的决定性因素，中国银行业、证券业和保险业发展都受其影响。随着农村剩余劳动迁移过程进入到高一级阶段，中国简单劳动短缺将会成为事实，这会提高中国农民工的工资作价能力，进而会带动中国劳动工资水平全面提高，并引起居民对私人理财、投资顾问和个人信贷消费等现代金融服务需求显著上升。
인구결구화노동력천이시인기중국금융계통중류동성과잉적중요인소지일，단유차인기적류동성과잉구유단기특정，저시영향2008—2010년기간중국금융시장주세적결정성인소，중국은행업、증권업화보험업발전도수기영향。수착농촌잉여노동천이과정진입도고일급계단，중국간단노동단결장회성위사실，저회제고중국농민공적공자작개능력，진이회대동중국노동공자수평전면제고，병인기거민대사인리재、투자고문화개인신대소비등현대금융복무수구현저상승。
The excess liquidity faced by China＇s financial system in recent years is characteristic of short-term phenomenon, mainly due to both China＇s population components and its labor movement. The development of China＇s financial sectorS between 2008 and 2010, such as banking, securities, and insurance, will also affected by above two factors. Along with the process of the rural labor force movement goes to a senior stage, the simple labor shortage in China will take place, which will improve the simple labor＇s competitiveness in wage bargain, and will also raise the wage level wholly in China. In the course of labor movement and short-run excess liquidity, the demand for modem financial services including private asset management, consultancy for investment, and credit for private expenditure will expand quickly in China.