论流动性过剩下我国商业银行的经营策略

On China commercial bank's operation strategy under fluidity surplus

近年来,流动性过剩成为中国宏观经济中的一个热门词汇,以至于对当前中国所有的经济失衡或者价格失控现象,人们都试图用流动性过剩来解释。那么流动性过剩产生的背景和根源是什么?其对商业银行业务经营的影响如何?商业银行城市行应如何积极应对流动性过剩?本文尝试以某商业银行城市行为例,从商业银行前沿经营者的角度对此进行探讨。

People tried to explain economic disequilibria or the asset price hike, which are confronting Chinese economy at present, by liquidity surplus, a key word to describe macro economy of China. Then, what is on earth the background and origin of liquidity surplus？ What effect on business running of city commercial banks by would liquidity surplus？ How can city commercial banks deal with liquidity surplus positively？ We are trying to probe into these questions in a view of leading edge of commercial bank operation by an example of a certain city commercial bank.