Commercial Banks In China The Problem Of Excess Liquidity,

Since long ago, the question of excess liquidity puzzles our country's commercial bank; the insufficient liquidity is one of the most main risks in our commercial banks. However since the 21st century, in the recent two years, with the high speed growth of Chinese economy, the environment has huge changed, commercial bank's excess liquidity question has been highlighted day after day. Excess liquidity although can cause the bank avoid the fluid risk, but more is brings many negative effects to the bank. Then under this kind of macro-environment, how should eliminate the adverse effect which the excess liquidity produces, carries on the liquidity management, the improvement fluid condition, already became one of primary missions which the commercial bank faces at present.The article has carried on the introduction to the most commonly management method about liquidity in west commercial bank, moreover unified the special environment which our country commercial bank faced, proposed the standard of judgment liquidity, and has made the basic judgment by this. On this foundation, the article analyzed the reasons of excess liquidity as well as the restriction factors. The research uses the method of compares the method of methodology, the method of logical analytic. Finally, the article proposed that the commercial bank should countermeasure the excess liquidity question to ponder, which has the extremely vital practical significance.The article altogether has four parts:The first part limited the concept of commercial bank's management of liquidity and the excess liquidity, introduced the necessity of commercial bank carries on the management of liquidity under the two kind of conditions that liquidity insufficiency and the excess liquidity, has analyzed the adverse effect which too much liquidity in bank system creates to the internal management of banks and the development of macroscopic economical.The second part has carried on the introduction to the most commonly management method about liquidity in west commercial bank, moreover unified the special environment which our country commercial bank faced, proposed the standard of judgment liquidity, and has made the basic judgment by this.The third part analysis the reasons of liquidity excess in our country's commercial bank system ,in the same time has evaluated the policy operated by central bank in order to govern excess liquidity, and the reason that excess liquidity has been too difficult to govern. This mainly is because a series of restriction factor in the economic system which hinder the divergence of liquidity, which has created the "the bottle gourd mouth" in bank interior.The fourth part gives some suggests to our country's commercial bank about how to dell with the problem of excess liquidity, including the deepen of foreign exchange organizational reform, strengthens the management of non-credit property, develops the small and medium enterprises loans, developing middle service ,establishes the new profit point of growth, simultaneously developing the capital market vigorously, establishes channel which between the capital market and the money market the fund allows temporary credit, the perfect social credit system, speeds up the interest rate marketability.