法定存款准备金比率变动对我国上市商业银行流动性调节效应分析-金融学专业论文.docxVIP

摘要 法定存款准备金，作为与公开市场操作、再贴现并驾齐驱的货币政策三大 法宝之一，在央行调控经济，控制流动性目的中，起着举足轻重的作用。近几 年在国际上法定存款准备金政策日趋淡出各中央银行货币调控手段的趋势下， 我国却是频繁动用法定存款准备金政策手段，成为在 2008 年金融危机以后调控 经济走势，化解金融危机，解决物价飞涨等一些列问题的重要手段。自 2006 年 7 月至 2012 年 2 月，在经历了高达 36 次之多的频繁调整中，法定存款准备金率 一度达到 21.5%的高位，可谓当今任何一个国家都未出现过。然而动用这一效果 猛烈的政策，对于同货币流通息息相关的商业银行，其流动性则会随之改变， 使得最终达到央行的政策调控目的。本文重点分析法定存款准备金的变动对上 市商业银行的存贷比影响，通过数据的比较分析与建模，从而研究相应的流动 性变化。今后要从准备金政策和上市商业银行流动性政策两方面进行制度的优 化改革，促进法定存款准备金率这一政策能够在今后的运用中起到更好的效果。 关键词 法定存款准备金率 上市商业银行 流动性调节 Abstract Legal deposit reserve, which is one of the three magic weapons with open market operations and rediscount in the central bank to control the economy and liquidity purpose, plays a decisive role. In recent years, legal deposit reserve policy is slowly fade out the central bank monetary to control measures in the international,but our country has been frequently using this policy to solve some problems such as ctroling the financial crisis and economic situation ,soaring prices the important means since 2008. From July to February in 2006,after 36 times of frequent adjustments, the legal deposit reserve rate reached 21.5%,which is Other countries never to arrive. However,with the use of this effect violent policy,the commercial Banks liquidity which is closed to the circulation of money will be changed to fit he central banks finally policy purpose. This paper is based on the data collection and field investigation, to the relevant economic theory as a guide, through the inquires the literatures, in view of the domestic at present already listed commercial Banks as the research object, In order to study the flow changes, this paper focuses on the analysis of the Legal deposit reserve changing on the listed commercial bank loan ratio influence, through the comparison of data analysis and modeling. To the two aspects of optimization system reform from the policy reserve policy and commercial banks to promote flow, can play a better effect in the future to promote the use of the statutory deposit rese