存款准备金率上调对中小商业银行流动性的影响

On the Influence of Deposit Reserve Rate Increasing on Small and Medium-Sized Commercial Banks Liquidity

目前国家宏观调控政策频出,近期货币政策逐步收紧,使中小商业银行的发展环境更加不容乐观,发展压力逐步加大。因此,本文阐明了准备金率上调对中小商业银行流动性的影响,提出应对可能产生流动性风险的管理建议。

Due to the frequent coming on of national macroeconomic regulations and control policies,recently monetary policy is gradually tightening,which makes the developing environment of small and medium-sized commercial banks still far from being satisfactory and the developing pressure is increasing gradually.Therefore,this paper elaborates the influences of deposit reserve rate increasing on small and medium-sized commercial banks liquidity,puts forward management suggestions on handling the possible liquidity risks.