银行流动性过剩解析资料.docVIP

我国商业银行流动性过剩的成因与对策 【摘要】流动性过剩已成为中国经济乃至世界经济的重要特征。特别自2005年以来，我国金融机构存贷差持续扩大，商业银行超额存款准备金居高不下，商业银行流动性资产过剩问题凸显。文章针对当前我国银行体系流动性过剩问题，系统地介绍了当前流动性过剩的表现，分析了引起流动性过剩的原因，并针对性地提出了一些解决当前流动性过剩问题的对策。 【关键词】流动性过剩 商业银行 存差 超额准备金 外汇储备 【Abstract】The excess liquidity has become Chinas economy and even the world economy important characteristics. Especially since 2005, our financial institutions deposit-loan poor, expanding commercial bank deposit reserve, high excess liquidity surplus of commercial bank assets highlights. This paper based on the Chinese banking system liquidity problems, the paper systematically int