J银行资金流动性过剩问题分析.pdf

摘 要 J 银行资金流动性过剩问题分析 J 银行存贷比指标低于监管水平，针对这一现状，文章提出了银行普遍存在 的资金流动性过剩的问题，文章开头整理了国内外关于存差和流动性过剩的研究 成果，分析描述了与流动性过剩有关的概念。本文通过各类指标详细描述了 J 银 行资金流动性状况，得出 J 银行存在流动性过剩问题，接着深入分析了流动性过 剩对 J 银行的影响，然后文章详细阐述了哪些因素导致了 J 银行流动性过剩。其 成因有外汇占款比重过大，经济增长不平衡，社会保障机制不健全，居民储蓄倾 向高，社会现金需求比例下降以及银行风险控制下的信贷约束等原因。接着，文 章借鉴了日本商业银行治理流动性过剩的经验教训，对 J 银行流动性过剩问题从 宏观和微观两方面提出了政策建议和解决路径。 关健词： 存贷比，流动性过剩，商业银行 I Abstract Analysis on Excess Liquidity of One Bank based on Loan-to-deposit Ratio The Index of loan-to-deposit ratio of J bank is far below the regulatory level of the central bank. According to this situation, the article puts forwrd the issues that excess liquidity has becoming the difficult problem faced by China ’s commercial banks, Firstly, the article reviews the literature concerning with the deposit gap and the excess liquidity of commercial banks. And analysis the definition related to the excess liquidity. The conclusion has been made that the problem of excess of liquidity has been existed in J bank by describing the performance of the liquidity index. Then the article discusses the impact of J banks ’ operation influenced by the excess liquidity. At the basis of the above analysis, the article concludes the reasons for the excess liquidity of J banks. Foreign exchange position 、economics of inequality、 imperfect social security system、high household savings、the declining of requirement of cash and the credit control of risk management of commercial banks. At last the article suggests the solutions to the excess of liquidity from macrocosmic and microcosmic background based on the lessons of Japanese commercial