商业银行存款准备金核定及管理机制研究

Research on the Approval and Management Mechanism of Deposit Reserve of Commercial Banks

商业银行存款准备金是指商业银行为保证客户提取存款和资金清算需要而准备的资金,商业银行按规定向中央银行缴纳的存款准备金占其存款总额的比例就是存款准备金率。存款准备金与公开市场操作、再贴现并称为三大货币政策工具,是目前国际公认的较为有效的货币政策工具。

Deposit reserve of commercial banks refers to the funds prepared by commercial banks to ensure that customers withdraw deposits and liquidate their funds. The proportion of deposit reserve paid by commercial banks to the central bank according to regulations is the deposit reserve ratio. Deposit reserve, open market operation and rediscount are the three major monetary policy tools, which are internationally recognized as more effective monetary policy tools.