The Causes And Countermeasures Of The Liquidity Surplus Of The Commercial Banks In Our Country

Since long ago, the question of excess liquidity puzzles our country's commercial banks; the insufficient liquidity is one of the most main risk in our commercial banks. However since the 21st centry, in recent years, with the high speed growth of Chinese economy, the environment has huge changed, commercial banks'excess liquidity question has been highlighted day after day. Excess liquidity although can cause the bank avoid the fluid risk, also it will bring much more negative effects to banks. Then under this kind of macro-environment, how should eliminate the adverse effect which the excess liquidity produce, carries on the liquidity management, the important fluid condition, already became one of primary missions which the commercial banks face at present.Therefore, how to resolve the problem of liquidity surplus in our commercial banks is the key to develop national economy rapidly and soundly. 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. This thesis gives a systemic introduction to the definition and indication of the excess liquidity, and then presents a thorough analysis of the causes and impacts of excess liquidity on the commercial bank's operation. In the end, a few measures and reforming plan will be put forward pointedly to help commercial banks tackling the excess liquidity.The full text is totally divided into five parts:The first part is introduction, which introduces the background of the excess liquidity of the banks on the current. It try to sort out the documents on the issue of liquidity surplus from both international and domestic, and it gives a brief introduction from the contents and structure of the paper. The second part is the expansion about the theory of excess liquidity, which includes the meaning of commercial banks liquidity and the excess liquidity of commercial banks, and it analyses how to measure the excess liquidity from the theoretical level at the same time. Then in the third part of the article, the author analyses five performances and three impacts of the liquidity surplus of commercial banks. The most important parts is the fourth and fifth parts in the whole article. The final chapter, Chapter 5, gives polices and measures on how to ease the excess liquidity of Chinese commercial banks from the construction of commercial banks itself, the management of the central bank, China's foreign exchange management system and the macro-finacial aspects of the ecological environment respectively on the basis of the reasons of the formation of commercial banks liquidity surplus in the fourth chapter.