央行货币政策对商业银行的影响（The influence of the central banks monetary policy on Commercial Banks）.doc

央行货币政策对商业银行的影响（The influence of the central banks monetary policy on Commercial Banks） The impact of the current central bank monetary policy tools on Commercial Banks Key words: monetary policy tools; macro-control; commercial banks; impact analysis Abstract: The peoples Bank of China announced on the 10, from December 20, 2010 onwards, the deposit reserve financial institutions RMB deposit reserve rate of 0.5 percentage points. The increase is expected to freeze bank funds of about 350 billion yuan. This is the sixth time this year that the central bank has raised its reserve requirement ratio. At present, the reserve ratio of large banks has reached an all-time high of 18.5%. If you consider the difference adjustment, some banks are higher. In recent months, the central bank has significantly increased the use of monetary policy tools to carry out macro-control efforts, what is the background of the commercial bank will have what influence? Commercial banks should respond to the central bank monetary policy measures? This is the question which will be discussed in this paper. I. relevant theories about the central banks monetary policy tools The central bank monetary policy refers to the management of a countrys money supply conditions, in order to guide and influence economic activities, to ensure national macroeconomic objectives, which are set by the state, through the implementation of the central bank to control the currency and credit policies, policies and measures. In order to achieve the goal of monetary policy, the central bank must adopt a series of measures and means related to the central banking business. These measures or measures are called monetary policy tools. Monetary policy tools are divided into general monetary policy tools, alternative monetary policy tools and other monetary policy tools. General monetary policy instruments are the most important policy tools, including deposit reserve policy, rediscount policy and open market business. A