超额存款准备金对银行风险承担影响研究——以非自愿性超额存款准备金为例-research on the influence of excess deposit reserve on bank risk - taking involuntary excess deposit reserve as an example.docxVIP

超额存款准备金对银行风险承担影响研究The超额存款准备金对银行风险承担影响研究The Effect of Excess Reserves on Bank Risk-Taking Behavior——From lhe Perspective of Involuntary Excess ReservesAbstractIn early 2000s，excess reserves of Chinese banks have reached l 0％on average．Although this figure have fallen to 3．3％in 20 12．it is still significantly higher compared to fmancially developed areas such as the United States and the European Union．The excess reserves in the Chinese banking sector indicates surplus liquidity，which leads to banks taking excess risk and their tail risk becoming J ess obvious．Compared to extant studies on that