摘要
商业银行流动性过剩问题引起了社会广泛关注和许多研究。本文另辟蹊径,从商业银行成本收益角度出发,通过对银行体系在中央银行超额存款准备金和银行间市场人民币交易成交的情况进行考察,得出当前我国商业银行仍旧面临着流动性过剩问题。商业银行流动性过剩是2004年以后才在我国经济领域中明显展露出来的。文章系统考察了影响商业银行流动性过剩的因素,认为主要是三个方面的因素对商业银行流动性过剩产生作用:分业经营体制下存差规模快速扩大;国际收支“双顺差”持续出现;货币流通速度加快。
The problem of excessive liquidity of commercial bank arouses wide attention and research. From other point of view, basing on the income and cost, by analyzing amount of excess deposit reserve in central bank and trade - off within bank market, this paper draws the conclusion that the commercial bank in China is now still facing with the problem of excessive hquidity which appears obviously from the year of 2004. There are three factors contributing to excessive liquidity of commercial bank, they are gap of deposit to loan swift expanding, continuing surplus of balance of payments, and speeding velocity of currency.
出处
《财经科学》
CSSCI
北大核心
2007年第1期10-16,共7页
Finance & Economics
关键词
商业银行
流动性过剩
成因
commercial bank
excessive liquidity
cause
