保持商业银行资金流动性的方法探析

摘要································································2

一、商业银行的流动性现状···········································3

二、商业银行流动性风险存在的问题···································5

（一）中国商业银行流动性风险管理现状····························5

（二）商业银行流动性风险的主要衡量方法及其存在的问题············6

（三）中国商业银行流动性风险的成因······························8三、商业银行流动性过剩问题·········································9

（一）我国金融业经营体制的因素···································10

（二）金融市场现有约束条件因素···································11

四、从流动性需求和供给来讨论商业银行保持流动性的方法··············11

（一）拉动消费，扩大投资，降低储蓄率·······························11

（二）加快金融市场的发展·········································11

（三）积极创新，发展多样的理财业务································11

（四）做好负债比例管理···········································12

结论·······························································13

参考文献 ··························································14

内 容 摘 要

    商业银行作为市场经济发展的中坚力量，为我国的经济增长提供了强大的资金支持，使我国经济在全球率先从2008年的金融危机中复苏过来。然而在经历金融危机后，中国商业银行虽然得以保全，但也受到巨大冲击，商业银行必须从这场金融危机中吸取足够的经验才能在未来更好的发展，在当前世界经济也已进入相对平稳的时期，经济形势较为乐观的现状下，我们仍有必要吸取美国金融危机的教训，警惕商业银行的流动性风险，使商业银行保持充足的流动性这几年，我国银行流动性过剩导致的各种金融问题愈加严重，影响了中央银行货币政策的有效性。商业银行流动性是指商行为了满足存款人提取现金、支付到期债务以及借款人正常贷款需求的能力。从商业银行流动性过剩的表象入手，分析了流动性过剩的原因，并从货币政策工具对流动性过剩的影响和银行流动性对货币政策传导机制影响两个方面阐述流动性过剩与货币政策有效性之间的关系。

关键词：风险管理；负债比例；流动性过剩