畢業(yè)論文 淺析我國(guó)流動(dòng)性過(guò)剩成因及對(duì)策.doc
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畢業(yè)論文 淺析我國(guó)流動(dòng)性過(guò)剩成因及對(duì)策,摘要隨著國(guó)內(nèi)存貸差的不斷提高，國(guó)際外匯儲(chǔ)備的不斷上升，流動(dòng)性風(fēng)險(xiǎn)更多的集中于流動(dòng)性過(guò)剩帶來(lái)的風(fēng)險(xiǎn)。本文從經(jīng)濟(jì)數(shù)據(jù)對(duì)流動(dòng)性過(guò)剩的表現(xiàn)、成因和危害等經(jīng)濟(jì)現(xiàn)象進(jìn)行分析, 針對(duì)性地提出擴(kuò)大外匯掉期交易和推動(dòng)商業(yè)銀行金融創(chuàng)新、緩解流動(dòng)性過(guò)剩、擴(kuò)大消費(fèi)以及改革匯率制度等相應(yīng)對(duì)策, 對(duì)科學(xué)合理地解決流動(dòng)性過(guò)剩問(wèn)題有著積極的提示作用。...
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摘 要
隨著國(guó)內(nèi)存貸差的不斷提高，國(guó)際外匯儲(chǔ)備的不斷上升，流動(dòng)性風(fēng)險(xiǎn)更多的集中于流動(dòng)性過(guò)剩帶來(lái)的風(fēng)險(xiǎn)。本文從經(jīng)濟(jì)數(shù)據(jù)對(duì)流動(dòng)性過(guò)剩的表現(xiàn)、成因和危害等經(jīng)濟(jì)現(xiàn)象進(jìn)行分析, 針對(duì)性地提出擴(kuò)大外匯掉期交易和推動(dòng)商業(yè)銀行金融創(chuàng)新、緩解流動(dòng)性過(guò)剩、擴(kuò)大消費(fèi)以及改革匯率制度等相應(yīng)對(duì)策, 對(duì)科學(xué)合理地解決流動(dòng)性過(guò)剩問(wèn)題有著積極的提示作用。
關(guān)鍵詞：流動(dòng)性過(guò)剩；貨幣供給；外匯占款；存貸差
Analysis of China's excess liquidity, the causes of performance and Countermeasures
ABSTRACT
With the continuous improvement of the domestic deposit and lending, international foreign exchange reserves continue to improve, Liquidity risk is more concentrated on the difficulties caused by excess liquidity. Economic phenomena on the performance, causes and hazards of excess liquidity from the economic data analysis, the proposed foreign exchange investment company, expansion of foreign exchange swaps and promote the financial innovation of commercial banks and ease the excess liquidity, expanding consumption, reform foreign exchange holder structure corresponding countermeasures, scientific and rational solution to the problem of excess liquidity has a positive role for the prompt
Keywords: The excess liquidity;money supply;foreign exchange and poor;sanings and loan
目錄
一、引言 1
二、我國(guó)流動(dòng)性過(guò)剩的表現(xiàn) 1
（一）實(shí)際貨幣量高于均衡水平 1
（二）存貸差的繼續(xù)擴(kuò)大 1
（三）企業(yè)可用資金寬松 1
（四）房地產(chǎn)投資增長(zhǎng)過(guò)快 1
三、流動(dòng)性過(guò)剩的影響 2
（一）流動(dòng)性過(guò)剩助推了我國(guó)商品價(jià)格上漲，加劇了通脹壓力 2
1、推動(dòng)投資過(guò)度擴(kuò)張 2
2、推動(dòng)房地產(chǎn)價(jià)格過(guò)快上漲 2
3、推動(dòng)農(nóng)產(chǎn)品價(jià)格上漲 2
（二）增加了經(jīng)濟(jì)對(duì)商業(yè)銀行的依賴，加劇了銀行經(jīng)營(yíng)風(fēng)險(xiǎn) 2
1、經(jīng)濟(jì)對(duì)銀行體系依賴性增強(qiáng) 2
2、外匯占款增加，利息支出不斷飆升，對(duì)沖成本增大 3
四、流動(dòng)性過(guò)剩成因分析 3
（一）國(guó)內(nèi)因素 3
1、為了保持人民幣匯率的相對(duì)穩(wěn)定投放的外匯占款 3
2、消費(fèi)需求不足 4
3、商業(yè)銀行改制上市加劇了流動(dòng)新過(guò)剩 4
4、貨幣流通速度的加快和金融產(chǎn)品的創(chuàng)新 4
5、我國(guó)當(dāng)前匯率制度 4
（二）國(guó)際層面因素 5
五、流動(dòng)性過(guò)剩對(duì)策 5
（一）改革外匯制度 5
（二）調(diào)整涉外經(jīng)濟(jì)金融政策，促進(jìn)收支平衡 6
（三）對(duì)外匯掉期交易繼續(xù)支持 6
（四）商業(yè)銀行大力推進(jìn)中小企業(yè)貸款和金融產(chǎn)品創(chuàng)新 6
（五）擴(kuò)大消費(fèi)需求 6
注釋 8
參考文獻(xiàn) 8
隨著國(guó)內(nèi)存貸差的不斷提高，國(guó)際外匯儲(chǔ)備的不斷上升，流動(dòng)性風(fēng)險(xiǎn)更多的集中于流動(dòng)性過(guò)剩帶來(lái)的風(fēng)險(xiǎn)。本文從經(jīng)濟(jì)數(shù)據(jù)對(duì)流動(dòng)性過(guò)剩的表現(xiàn)、成因和危害等經(jīng)濟(jì)現(xiàn)象進(jìn)行分析, 針對(duì)性地提出擴(kuò)大外匯掉期交易和推動(dòng)商業(yè)銀行金融創(chuàng)新、緩解流動(dòng)性過(guò)剩、擴(kuò)大消費(fèi)以及改革匯率制度等相應(yīng)對(duì)策, 對(duì)科學(xué)合理地解決流動(dòng)性過(guò)剩問(wèn)題有著積極的提示作用。
關(guān)鍵詞：流動(dòng)性過(guò)剩；貨幣供給；外匯占款；存貸差
Analysis of China's excess liquidity, the causes of performance and Countermeasures
ABSTRACT
With the continuous improvement of the domestic deposit and lending, international foreign exchange reserves continue to improve, Liquidity risk is more concentrated on the difficulties caused by excess liquidity. Economic phenomena on the performance, causes and hazards of excess liquidity from the economic data analysis, the proposed foreign exchange investment company, expansion of foreign exchange swaps and promote the financial innovation of commercial banks and ease the excess liquidity, expanding consumption, reform foreign exchange holder structure corresponding countermeasures, scientific and rational solution to the problem of excess liquidity has a positive role for the prompt
Keywords: The excess liquidity;money supply;foreign exchange and poor;sanings and loan
目錄
一、引言 1
二、我國(guó)流動(dòng)性過(guò)剩的表現(xiàn) 1
（一）實(shí)際貨幣量高于均衡水平 1
（二）存貸差的繼續(xù)擴(kuò)大 1
（三）企業(yè)可用資金寬松 1
（四）房地產(chǎn)投資增長(zhǎng)過(guò)快 1
三、流動(dòng)性過(guò)剩的影響 2
（一）流動(dòng)性過(guò)剩助推了我國(guó)商品價(jià)格上漲，加劇了通脹壓力 2
1、推動(dòng)投資過(guò)度擴(kuò)張 2
2、推動(dòng)房地產(chǎn)價(jià)格過(guò)快上漲 2
3、推動(dòng)農(nóng)產(chǎn)品價(jià)格上漲 2
（二）增加了經(jīng)濟(jì)對(duì)商業(yè)銀行的依賴，加劇了銀行經(jīng)營(yíng)風(fēng)險(xiǎn) 2
1、經(jīng)濟(jì)對(duì)銀行體系依賴性增強(qiáng) 2
2、外匯占款增加，利息支出不斷飆升，對(duì)沖成本增大 3
四、流動(dòng)性過(guò)剩成因分析 3
（一）國(guó)內(nèi)因素 3
1、為了保持人民幣匯率的相對(duì)穩(wěn)定投放的外匯占款 3
2、消費(fèi)需求不足 4
3、商業(yè)銀行改制上市加劇了流動(dòng)新過(guò)剩 4
4、貨幣流通速度的加快和金融產(chǎn)品的創(chuàng)新 4
5、我國(guó)當(dāng)前匯率制度 4
（二）國(guó)際層面因素 5
五、流動(dòng)性過(guò)剩對(duì)策 5
（一）改革外匯制度 5
（二）調(diào)整涉外經(jīng)濟(jì)金融政策，促進(jìn)收支平衡 6
（三）對(duì)外匯掉期交易繼續(xù)支持 6
（四）商業(yè)銀行大力推進(jìn)中小企業(yè)貸款和金融產(chǎn)品創(chuàng)新 6
（五）擴(kuò)大消費(fèi)需求 6
注釋 8
參考文獻(xiàn) 8
