我国商业银行流动性过剩的原因及对策研究

2005年以来，我国商业银行“流动性过剩”取代了过去的流动性不足，本文将从商业银行的角度，对银行流动性过剩这一广为受到关注的新问题进行较为系统的分析。首先，简述流动性过剩的含义及当前我国商业银行流动性过剩的具体表现和流动性过剩的不利影响。其次，重点分析流动性过剩的原因，指出持续的贸易顺差和当前我国的货币机制是导致流动性过剩的根本原因，最后从微观、宏观层面和金融监管当局角度提出破解银行流动性过剩的具体举措。

Our country commercial bank fluidity surplus reason and countermeasure research

Since 2005, China's commercial banks Excess liquidity to replace the previous lack of liquidity, the paper will be the point of commercial banks, the banking liquidity surplus this wide attention to the new problems more systematic analysis. First of all, outlining the meaning of excess liquidity and China's current excess liquidity of commercial banks of the specific performance and liquidity of the adverse effects of excess. Second, the focus of the reasons for the excess liquidity that the continuing tra...