钱荒的成因与防治研究教程.docVIP

“钱荒”的成因及防治研究 摘要 13年6月，国内金融市场出现了令人罕见的“钱荒”事件，银行隔夜拆借率首次达到13.44%，然而更让人讶异的是一向对金融市场进行干预的央行这次竟采取了冷眼旁观。一时间，“钱荒”成为我国各行各业的热议的问题，我国难道真的进入了“钱荒时代”了么？ 这次的“钱荒”暴露了我国金融系统内部的诸多问题，尤其是我国商业银行流动性管理存在的问题对如何预防钱荒再次来袭提出几点CAUSESMONY SHORTAGE AND PREVENTION RESEARCH ABSTRACT On June 13, the domestic financial market in the very rare money shortage incident, Bank overnight lending rate for the first time reached 13.44 percent. However, more people are always surprised to intervene in the financial markets the central bank actually took the cynics. For a time, money shortage has become a hot issue of all walks of life. Is it really our country into the money shortage era it? The money shortage of Chinas financial system has exposed many internal problems, especially Chinas commercial banks liquidity management problems. In this paper, a comprehensive understanding of the expectations of the money shortage nature of the outbreak and the development situation of Chinas economic structure.Thesis money shortage economic situation after the outbreak of various industries in China as the research background, the use of survey analysis, comprehensive discussion method expounded on Chinas commercial banks and the current state of development of this money shortage specific performance, specific performance overnight lending rate remains high, SME financing and other issues. And further analysis of money shortage reasons of commercial banks in China, to examine commercial banking, On how to prevent money shortage struck again a few suggestions. Key words：money shortage; Chinas economic structure; commercial banking; liquidity 1 绪6 1.1研究背景及研究 1.2国内外研究现状 1.3研究内容和研究方法2 “钱荒的概述 2.1现阶段中国总体发展状况 2.2“钱荒的定义及出现的始末 2.3“钱荒”对中国经济的影响3 “钱荒出现的原因 3.1“钱荒出现的外部原因 3.2“钱荒”出现的内部原因17 3.2.1.2影子银行存在使得资金期限错配严重…………………………17 3.2.1.3我国银行金融垄断严重…………………………………………18 3.2.2地方债务危机…………………………………………………………18 3.2.3商业内部结构及流动性管理问题……………………………………19 4 “钱荒的防治研究 4.1加强我国的金融监管力度…………………………………………………21