我国存款准备金率过高的弊端及回归合理水平的探讨

China's deposit reserve rate high malpractice and return to a reasonable level of discussion

近年来,中央银行多次地运用存款准备率来调节经济运行。然而,过高的存款准备率对于中央银行的货币政策和宏观经济运行造成了负面影响。文章在分析当前存款准备率过高的基础上,通过构建一个存款准备率影响经济运行的分析框架,从宏观和微观两个角度分析了降低存款准备金率的合意性以及对于经济长远发展的积极作用,并在此基础上提出了相应政策建议。

In recent years, the central bank repeated use of the deposit reserve ratio to adjust economic operation.However, the high de- posit reserve rate have a negative impact on the central bank＇s monetary policy and macro economy.Based on the analysis of current de- posit reserve rate high, by constructing a deposit reserve rate impact analysis framework of economic operation, this article also from the perspective of two macroscopic and microscopic analysis reduces the desirability of the deposit reserve ratio as well as the positive role for long-term economic development, and puts forward the corresponding policy recommendations.