商业银行流动性过剩与区域金融资源配置失衡

Excess Liquidity of Commercial Banks and Unbalanced Allocation of Regional Financial Resources

本文从区域金融学的角度对我国商业银行流动性变化及其区域差异进行了剖析。研究发现,东部沿海发达地区信贷资金投放量过度,城乡金融资源配置差别太大,区域金融资源配置的失衡导致了全国城市商业银行流动性过剩。文章认为,疏通、引导社会资金流向,改善、优化欠发达地区的金融生态,防范、控制发达地区的金融风险,分步实施我国地区均衡开发战略,这是解决当前全国流动性过剩的根本路径。

This paper scrutinizes, from the viewpoint of regional finance, changes in liquidity of commercial banks and its regional difference. It is found that the developed eastern coastal regions have over-issued credit loans and there is a big gap between rural and urban allocation of financial resources, leading to excess liquidity of urban commercial banks nationwide. It is believed that to reduce overall excess liquidity and gradually realize the strategy of balanced development throughout our country, one should direct and guide social capital movement, improve and optimize financial eco-system in underdeveloped regions and prevent and control financial risks in developed regions. This is the only way out.