我國(guó)商業(yè)銀行流動(dòng)性過剩的影響與對(duì)策研究

目 錄
摘要 I
Abstract II
引 言 1
1 商業(yè)銀行流動(dòng)性過剩概述 2
1.1 商業(yè)銀行流動(dòng)性過剩的含義 2
1.1.1 商業(yè)銀行流動(dòng)性的含義 2
1.1.2 商業(yè)銀行流動(dòng)性過剩的含義 2
1.2 商業(yè)銀行流動(dòng)性過剩的衡量 2
1.2.1 商業(yè)銀行流動(dòng)性的衡量 2
1.2.2 商業(yè)銀行流動(dòng)性過剩的衡量 3
1.3 我國(guó)商業(yè)銀行流動(dòng)性過剩的現(xiàn)狀 4
1.3.1 對(duì)我國(guó)金融機(jī)構(gòu)體系總體流動(dòng)性的分析 4
1.3.2 對(duì)我國(guó)四大商業(yè)銀行流動(dòng)性的分析 5
2 我國(guó)商業(yè)銀行流動(dòng)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(guó)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(chǔ)備的快速增長(zhǎng) 7
3 我國(guó)商業(yè)銀行流動(dòng)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(guó)貨幣市場(chǎng) 8
3.3 降低了金融資源配置效率導(dǎo)致了經(jīng)濟(jì)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(duì)我國(guó)商業(yè)銀行流動(dòng)性過剩的對(duì)策 10
4.1 拓寬商業(yè)銀行的投資渠道 10
4.1.1 增加對(duì)中小企業(yè)貸款 10
4.1.2 發(fā)展和完善資本市場(chǎng) 10
4.2 調(diào)整商業(yè)銀行的經(jīng)營(yíng)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(shí)現(xiàn)戰(zhàn)略轉(zhuǎn)型 11
4.3 優(yōu)化商業(yè)銀行流動(dòng)性管理環(huán)境 11
4.3.1 優(yōu)化商業(yè)銀行流動(dòng)性管理的外部環(huán)境 11
4.3.2 改善商業(yè)銀行流動(dòng)性管理的內(nèi)部環(huán)境 12
4.4 改革我國(guó)外匯管理制度 12
4.4.1 逐步推進(jìn)資本項(xiàng)目完全可兌換 12
4.4.2 逐步實(shí)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(dòng)性過剩和經(jīng)濟(jì)失衡的背景下，我國(guó)也進(jìn)入了一個(gè)流動(dòng)性過剩的時(shí)期。我國(guó)的流動(dòng)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(zhǎng)的、巨額的存貸差、強(qiáng)烈的貸款擴(kuò)張意愿，高漲的資產(chǎn)價(jià)格和與存款利率倒掛的貨幣市場(chǎng)利率。此時(shí)，對(duì) 2004年以來(lái)日益嚴(yán)重的流動(dòng)性過剩，從商業(yè)銀行的角度進(jìn)行考察，有利于我國(guó)有關(guān)部門和各家商業(yè)銀行正確認(rèn)清形勢(shì)，采取適當(dāng)?shù)拇胧┦鑼?dǎo)過剩的流動(dòng)性，維持經(jīng)濟(jì)金融的穩(wěn)定。
本文首先對(duì)我國(guó)商業(yè)銀行流動(dòng)性過剩的定義進(jìn)行了界定，在對(duì)商業(yè)銀行流動(dòng)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(dòng)性過剩對(duì)宏觀經(jīng)濟(jì)政策和經(jīng)濟(jì)金融的影響。最后，本文提出了疏導(dǎo)我國(guó)商業(yè)銀行流動(dòng)性過剩的對(duì)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(dòng)性過剩體現(xiàn)了外匯制度、金融市場(chǎng)和商業(yè)銀行經(jīng)營(yíng)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(yíng)管理戰(zhàn)略和流動(dòng)性管理戰(zhàn)略來(lái)疏導(dǎo)本輪的流動(dòng)性過剩的不利影響。

關(guān)鍵詞：商業(yè)銀行；流動(dòng)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