中国中小商业银行流动性紧缺的原因与对策

为探讨中国中小商业银行流动性紧缺的问题，通过面板数据分析，反映出中小商业银行资产负债结构单一、过于依赖利息收入，认为从紧的货币政策，净出口额增幅的减少，银行自身对高收益资产配置的追求是产生这些银行流动性紧缺的原因，提出加快调整资产负债结构。大力发展非利息业务，合理调整存贷结构，实施信贷资产证券化和完善流动性风险监控机制等对策建议。

Countermeasures for liquidity shortfall of medium and small commercial banks in China

To study the problem of liquidity shortfall of medium and small commercial banks in China,through panel data analysis,which discovers that on one hand,structure of asset and liability is monotonous on the other hand,loan and credit business depend excessively on revenue,we consider austerity monetary policy,reduction of net export growth and pursuit of high-yield of assets as the original reason of liquidity shortfall of medium and small commercial banks,we suggest further developing non-interest business,m...