摘要
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、超额准备金居高不下、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。
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.
出处
《财经科学》
CSSCI
北大核心
2006年第4期1-7,共7页
Finance & Economics
关键词
流动性过剩
贷款有效需求不足
盈利困境
excessive liquidity
insufficient effective loan demand
profit dilemma
