我國商業(yè)銀行流動性過剩的影響與對策研究

目 錄
摘要 I
Abstract II
引 言 1
1 商業(yè)銀行流動性過剩概述 2
1.1 商業(yè)銀行流動性過剩的含義 2
1.1.1 商業(yè)銀行流動性的含義 2
1.1.2 商業(yè)銀行流動性過剩的含義 2
1.2 商業(yè)銀行流動性過剩的衡量 2
1.2.1 商業(yè)銀行流動性的衡量 2
1.2.2 商業(yè)銀行流動性過剩的衡量 3
1.3 我國商業(yè)銀行流動性過剩的現(xiàn)狀 4
1.3.1 對我國金融機構(gòu)體系總體流動性的分析 4
1.3.2 對我國四大商業(yè)銀行流動性的分析 5
2 我國商業(yè)銀行流動性過剩的原因 7
2.1 現(xiàn)金需求比例的下降 7
2.2 直接融資工具發(fā)展的加快 7
2.3 我國城鎮(zhèn)居民人均可支配收入的提高 7
2.4 雙順差導(dǎo)致外匯儲備的快速增長 7
3 我國商業(yè)銀行流動性過剩的影響 8
3.1 縮減商業(yè)銀行盈利空間 8
3.2 沖擊我國貨幣市場 8
3.3 降低了金融資源配置效率導(dǎo)致了經(jīng)濟局部過熱 9
3.4 使宏觀調(diào)控面臨兩難的抉擇 9
4 應(yīng)對我國商業(yè)銀行流動性過剩的對策 10
4.1 拓寬商業(yè)銀行的投資渠道 10
4.1.1 增加對中小企業(yè)貸款 10
4.1.2 發(fā)展和完善資本市場 10
4.2 調(diào)整商業(yè)銀行的經(jīng)營策略 11
4.2.1 商業(yè)銀行應(yīng)從以產(chǎn)品為中心向以客戶為中心轉(zhuǎn)變 11
4.2.2 商業(yè)銀行應(yīng)調(diào)整戰(zhàn)略結(jié)構(gòu)實現(xiàn)戰(zhàn)略轉(zhuǎn)型 11
4.3 優(yōu)化商業(yè)銀行流動性管理環(huán)境 11
4.3.1 優(yōu)化商業(yè)銀行流動性管理的外部環(huán)境 11
4.3.2 改善商業(yè)銀行流動性管理的內(nèi)部環(huán)境 12
4.4 改革我國外匯管理制度 12
4.4.1 逐步推進(jìn)資本項目完全可兌換 12
4.4.2 逐步實現(xiàn)意愿結(jié)匯和售匯制度 12
結(jié) 論 14
參考文獻(xiàn) 15
致謝 17


摘 要
在全球流動性過剩和經(jīng)濟失衡的背景下，我國也進(jìn)入了一個流動性過剩的時期。我國的流動性過剩主要體現(xiàn)在商業(yè)銀行體系中，表現(xiàn)為不斷迅速增長的、巨額的存貸差、強烈的貸款擴張意愿，高漲的資產(chǎn)價格和與存款利率倒掛的貨幣市場利率。此時，對 2004年以來日益嚴(yán)重的流動性過剩，從商業(yè)銀行的角度進(jìn)行考察，有利于我國有關(guān)部門和各家商業(yè)銀行正確認(rèn)清形勢，采取適當(dāng)?shù)拇胧┦鑼?dǎo)過剩的流動性，維持經(jīng)濟金融的穩(wěn)定。
本文首先對我國商業(yè)銀行流動性過剩的定義進(jìn)行了界定，在對商業(yè)銀行流動性過剩的現(xiàn)狀和成因進(jìn)行分析后，文章又分析了商業(yè)銀行流動性過剩對宏觀經(jīng)濟政策和經(jīng)濟金融的影響。最后，本文提出了疏導(dǎo)我國商業(yè)銀行流動性過剩的對策分析，文章認(rèn)為除了全球性的影響因素外，此次商業(yè)銀行流動性過剩體現(xiàn)了外匯制度、金融市場和商業(yè)銀行經(jīng)營管理方面的缺陷，因而，主張通過改革外匯制度、轉(zhuǎn)變商業(yè)銀行的經(jīng)營管理戰(zhàn)略和流動性管理戰(zhàn)略來疏導(dǎo)本輪的流動性過剩的不利影響。

關(guān)鍵詞：商業(yè)銀行；流動性過剩；存貸差


Abstract

In global fluidity surplus and economic inequality under background, our country also entered a fluid surplus time. Our country's fluidity surplus mainly manifests in the Commercial bank system, displays to the explosive growth, large amount save the loan difference, the intense loan expansion wish unceasingly, surges upward the property price and the money market rate which hangs upside down with the deposit interest rate , Day by day the serious fluidity has been since this time surplus to 2004, carries on the inspection from Commercial bank's angle, is advantageous understands the situation clearly correctly in our country Department concerned and various Commercial bank, adopts the suitable measure unblocking surplus fluidity, the maintenance economical finance stability.
This article first has carried on the limits to our country Commercial bank fluidity surplus definition, in carries on the analysis after the Commercial bank fluidity surplus present situation and the origin, the article has analyzed the Commercial bank fluidity too much to the macroeconomic policy and the economical financial influence. Finally, this article proposed unblocks our country Commercial bank fluidity surplus countermeasure analysis, the article thought besides the global influencing factor, this Commercial bank fluidity has too much manifested the foreign exchange system, the money market and the Commercial bank management and operation aspect flaw, thus, advocated that through the reform foreign exchange system, the transformation Commercial bank's management and operation strategy and the fluid management strategy unblocks the epicycle the fluid surplus adverse effect.

Key word: Commercial bank; the fluidity is surplus; Saves the loan difference