Research On The Liquidity Surplus In China's Commercial Banks

With the global's liquidity surplus and economical unbalanced , China is also enter a liquidity surplus time. China's liquidity surplus is mainly appears in the commercial banks. The performance is unceasingly growing difference between deposits and loans, strong desire of providing the loans, assets price's rise, and money market's interest rate is low than deposit's interest rate. With the liquidity surplus more and more serious starting in 2004, research on the liquidity surplus in China's commercial banks, is good for department concerned and commercial banks recognize the correct situation, take the suitable measure to unblock liquidity surplus, maintenance the economics stably. Firstly, the author studies the papers of the liquidity surplus, define the liqudity surplus in China's commercial banks in this foundation. The definition is, when satisfy the growth of effective property, the surplus fund is liquidity surplus. But China is not, so it's liquidity surplus on quantity, not the ability surplus. After elaborating the causes and present situation, based on the analysis above, the thesis puts some demonstration on six variables using the data of 2001-2006. It turns out that the six variables truly play important part in the liqudity surplus. Occupying Foreign Exchange is the mainly factor. Secondly, the thesis analyses the influence on economics and macroscopic policy. Finally, the thesis puts forward some countermeasures to unblock liquidity surplus in our country's commercial banks. Because the liqudity surplus present foreign exchange system and commercial banks'sliquidity management's flaw in our country, so the effective countermeasures should be the followings: reform the foreign exchange system; adjusting the liqudity management strategy, and so on.