Research On The Liquidity Excess Problem Of China's Commercial Bank

Since 2003, the liquidity excess problem of China's commercial bank has shown initial signs of light. In January 2007 to August 2008, 15 times in a row the central bank raised the statutory reserve ratio, the 6th consecutive increase in interest rates, after another has issued a series of policies to curb excess liquidity. All the signs indicate that China's banking system brought together too much liquidity. In addition, in writing this article draws to a close, despite the central bank in September 15, 2008 declared that the "dual-rate" down, show some loosening of monetary policy, but it should be noted that this is only the central bank to cope with the current domestic and international economic environment of uncertainty and changes in policy Fine-tuning, does not mean that the tightening policies of a fundamental change in tone. From the banking system as a whole, the excess liquidity still remains a serious problem. As a result, want to fundamentally solve the liquidity excess problem of China's commercial bank, it is necessary to carry out an in-depth, systematic study.From the perspective of commercial banks, taking the latest data, using a combination of qualitative and quantitative methods, the liquidity excess problem of China's commercial bank that is widely being a hot issue from two aspects of the theory and practice are discussed.First of all, the article defines excess liquidity and related concept, and introduced the origin theory of commercial bank's liquidity excess.Second, the article analyzes the commercial banks of China's current situation of excess liquidity, including the description and analysis of its performance and impact. Once again, using a combination of qualitative and quantitative methods, the article analyzes the causes of the liquidity excess of commercial banks, to determine the principal causes of the liquidity excess problem of China's commercial bank, pointing out that the high savings rate of the domestic residents and increased China's foreign exchange are two main reasons for the liquidity excess problem of China's commercial bank, that lays the foundation for to find solution measures to the problem of liquidity excess.Finally, this paper studies the countermeasures of the liquidity excess problem of China's commercial bank, from the macro, meso and micro levels for more in-depth thinking, Strive for settling the liquidity excess problem of China's commercial bank to make some feasible solutions, as a result, for the relevant management to provide a reference for decision-making.