解决银行业流动性过剩的根本——改善金融生态

The Essential Way to Solve the Surplus Liquidity of Banking Industry—to Improve the Financial Ecosystem

当前中国银行业面临的所谓的“流动性过剩”,不仅仅是一般意义上的流动性资产的过剩,而是金融体系内生性矛盾的反映,是整个金融生态不完善的产物。因此,要从根本上解决“流动性过剩”,必然需要加强金融生态的建设。本文对“流动性过剩”现象的含义界定、具体表现、产生原因及其影响等问题作出了系统分析,从改善金融生态的视角来寻求解决问题的根本方法。

The so- called ＂surplus liquidity＂ that the current Chinese banking industry faces not only is the excess of the liquid assets of the general meaning, but is the reflection of the born nature of anfinomy inside the financial system and the outcome with irnpeffeet financial ecosystem. Therefore, in order to solve ＂surplus liquidity＂ by the roots, we need to strengthen the construction of the financial ecosystem by all means. This artide systemically analyzes the definition and meaning of this phenomenon, the specific appearance, the causes, the effects and so on. In this article, the essential way to solve this problem is sought through the angle of improving financial ecosystem.