摘要
Since the establishment of the reserve against deposit system in China, theorists have different views about it. After analyzing some of those views, this essay proposes that presently, it is inappropriate to cancel that system, and the rate of the required reserve should be reduced instead of being removed. With the analysis, the author points out the defects of that system, and makes a further study of that system's influence on the sustainable development of the commercial banks in China. In the last part, from several aspects, namely, the institutional environment, the rate of required reserve, the structure, and the mode of calculating and drawing money, the author offers some suggestions for the perfection of China's reserve against deposit system, and the acceleration of the sustainable development of commercial banks.
Since the establishment of the reserve against deposit system in China, theorists have different views about it. After analyzing some of those views, this essay proposes that presently, it is inappropriate to cancel that system, and the rate of the required reserve should be reduced instead of being removed. With the analysis, the author points out the defects of that system, and makes a further study of that system’s influence on the sustainable development of the commercial banks in China. In the last part, from several aspects, namely, the institutional environment, the rate of required reserve, the structure, and the mode of calculating and drawing money, the author offers some suggestions for the perfection of China’s reserve against deposit system, and the acceleration of the sustainable development of commercial banks.
