Impact On The Implementation Of China's Commercial Banks Tightening Monetary Policy

China’s international balance of payments in continuous double surplus foreign exchange reserves increase situation to exist for a long time, the banking system to hedge the excess liquidity, the central bank will implement a longer period of tightening monetary policy. Tightening of monetary policy on bank deposits, credit, capital and other business and bank earnings, asset quality of both advantages and disadvantages, commercial banks should be the correct response, prepare accordingly.Recently the central bank to continue the implementation of tight monetary policy, including raising the deposit reserve ratio, increase the circulation of bank notes, the implementation of window guidance, the tight monetary policy have an impact on whether commercial banks, a need to be of concern.Tight monetary policy, to the commercial bank credit assets business means excessive expansion will become the focus of control object, the traditional banking credit interest income growth will slow down the pace, the bank in recent years profit to maintain the momentum of rapid growth, must get rid of too dependent on traditional credit business situation, the intermediary business development, improve the interest earning capacity. At the same time, the implementation of monetary policy, especially the deposit reserve rate continued to increase, the contraction of bank credit creation ability at the same time, also caused market funds tight situation, bank funds management increased a lot of difficulty. Therefore, from the tight monetary policy should not only consider the depth of commercial banks in the macro-control environment management level, and will force the commercial banks to accelerate the implementation of the strategy of transition. This paper studies the implementation of monetary policy tightening internal reasons, the policy of tightening the impact of commercial banks, and puts forward the relevant countermeasures and suggestions..