The Deposit Reserve Rate Changes On Bank Assets Structure Analysis Of The Impact Mechanism

The1984has witnessed the foundation of the People’s Bank of China. So did the required reserve rate ratio (RRR). Since2008, the Peoples" Bank of China began to use required reserve rate ratio frequently. Even from2011till mow, the required reserve rate ratio has risenby the People’s Bank of Chinaseven times and lowered two times to face to inflation and the excess liquidity. Whether the high frequency and small amplitude adjustments are reasonable, and how the required reserve rate ratio affect the asset structure of a bank are needed to study deeply.The key point here is to study the impact of the asset management when the required reserve rate ratio changes.This paper includes six parts. The first part states the significance of the research and the importance of the problem. The second part summarizes the research achievements before. The third part analyses the change of asset management when the required reserve rate ratio. The fourth and fifth part put forward large amounts of data to build the model through R program. Through the research, we get a conclusion that the changes of required reserve ratio are related to CPI, GDP, credit-asset/non-credit asset and interest expense/interest return. Finally, from the equation, there would be several recommendations, including improving the bank asset management, policy control, and so on.