| 宏观金融视角下“存差”现象的理论分析与实证检验 |
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| 引用本文： | 李成,姜柳. 宏观金融视角下“存差”现象的理论分析与实证检验[J]. 西安交通大学学报(社会科学版), 2006, 26(6): 1-5,47 |
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| 作者姓名： | 李成 姜柳 |
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| 作者单位： | 西安交通大学,经济与金融学院,陕西,西安,710061 |
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| 基金项目： | 国家社会科学基金项目(04BJY084)，国家“211工程”,“985工程”二期建设项目(07200701) |
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| 摘 要： | 从存差形成的机理出发,分析了中国商业银行存差形成的内在原因并进行了实证检验,得出了基础货币投放量的持续快速增加是存差的直接原因;现金漏损率降低是存差增加的原因之一;资产运用的多元化也导致了存差扩大的结论。
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| 关 键 词： | 信贷指标管理 商业银行 存差 现金漏损率 |
| 文章编号： | 1008-245X(2006)06-0001-05 |
| 修稿时间： | 2006-05-06 |
Deposit Inbalance: Theoretical Analyses and Empirical Test from the Macro-financial Perspective |
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| LI Cheng,JIANG Liu. Deposit Inbalance: Theoretical Analyses and Empirical Test from the Macro-financial Perspective[J]. Journal of Xi'an Jiaotong University(Social Sciences), 2006, 26(6): 1-5,47 |
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| Authors: | LI Cheng JIANG Liu |
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| Abstract: | The deposit inbalance has increased continuously in recent years.This paper analyzes the intrinsic factors causing deposit inbalance from the perspective of mechanization by which it generates.Through empirical analyses based on the data from 2001 to 2005,it is shown that the rapid increase of base money is the direct cause of deposit inbalance;lower cash leakage ratio is also one of the causes of deposit inbalance;and the diversification of assets induces the expanding of deposit inbalance,too. |
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| Keywords: | credit index management commerical bank deposit inbalance cash leakage ratio |
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