Modern Chinese Commercial Banks Excess Liquidity Analysis And Theory Construction

The situation of globalization of world economy has been more and more obvious, financial and economic interlink ages are more closely than ever before, the interaction and influence are far-reaching. Commercial banks is the top priority of the country's financial, in the management profit-making, security and liquidity of commercial bank, the liquidity is the most important. The liquidity of commercial bank means the ability of keeping at the right price can be achieved the ability of the funds available to meet the customer at any time. It is the premise condition that the normal action of commercial bank, it is the important guarantee for security of commercial bank assets. Thus, the liquidity of the bank not only directly related to bank their own reputation and the safety of survival, affecting the central bank's monetary policy effects, or even one country would affect the stability of the entire financial system, its impact is far greater than other risks.Since the beginning of the 21st century, because the big strides of macroeconomic environment and micro-economic entities reform, the liquidity position has undergone major changes, it changed from the lack of liquidity into continuous flow of liquidity, loose lending growing worse, the excess deposit kept on a high level. 2005-2007, the liquidity of the banking problems have become increasingly prominent, the banking liquidity surplus of adverse effects has become increasingly evident, not only affect the implementation of the central bank's monetary policy effect, affecting the stability of the financial system operator, China financial flows and become the focus of attention of scholars. In light of the above, the paper introduced China's modern commercial bank liquidity surplus background, starting with this theory to explain the liquidity, liquidity risk and liquidity management concept. China's modern commercial bank liquidity surplus of an analysis of empirical and theoretical use of the method of combining data-base, as a theory based on, respectively, on China's modern commercial bank liquidity surplus performance and impact. At last, in the chapter four, we analyzed the reasons of the modern commercial bank liquidity surplus in distinctive levels, concluded the macro, micro-and long-term factors of modern commercial bank liquidity surplus. Then, we concluded the corresponding countermeasures, comprehensive solution to China's modern commercial bank liquidity surplus of a new views and opinions with a view to guide practice.