刍议我国商业银行流动性过剩问题

Discussions on the Fluidity Surplus of Commercial Bank in China

长期以来,由于受体制性信贷膨胀及信贷资产质量的影响,我国商业银行一直存在着流动性不足的问题。但从近年国内金融的运行情况来看,我国商业银行流动性过剩问题日渐突出。基于此,本文分析了我国商业银行流动性过剩的成因及影响,提出了解决我国商业银行流动性过剩问题的政策建议。

As a result of the credit expansion caused by the system and the quality of credit property, fluidity is insufficient in commercial banks in China. However, according to the situation about domestic financial movements in recent years, the fluidity surplus of commercial banks in China becomes more and more serious. This paper will analyze its causes and effects, and put forward the corresponding policy proposals to solve it.