The Analysis And Resolving On Liquidity Surplus Of Commercial Bank

Along with our country commercial bank reform of thorough carry on, the bank is in the share system the reform of norm principle of management and system manage result to enhance gradually, then appearing the concern and worrying which suffers from the bank structure and latent risk , among them one of the most important focuses concentration in the liquidity excess problem of the commercial bank.This emergence of the problem and is paid attention to, on the one hand body now our country reform to realize to raise with efficiency, materiality of the bank conduct a management style to escape from an economic performance gradually lowly or manage situation, organization or market emptily to add profits, risk and foreground of noticing the reform more;On the other hand then the our country commercial bank reform or many or little still have deviation or extremity, reform contents and substance that the aggressive level sometimes covers up or extends a self-contradict problem, say probably is our country financial reform thorough have to meet the problem.Currently from see to the concern of the our country commercial bank liquidity excess, the cause of the liquidity excess problem of the commercial bank comes from 2005 year-ends that the National Central Bank releases, national financial institutions renminbi various savings surplus amounts is 28.7 thousand billion yuan, together compare increase 19%, increase compare 2004 year-ends raised 3 percentage points.The financial institutions is various with 19.5 thousand billion yuan loan surplus amounts, comparing to increase 13% together, increasing to compare 2004 the year-ends are 1.5 low percentage points.2005 year-ends, the financial institution saveing difference is extended to 9.25 thousand billion yuan of making the record by 6.32 thousand billion yuan of 2004 year-ends, is about 400% of 2000.For this, The local market starts extensive concern huge save loan indentation may cause the problem of the liquidity risk of the commercial bank.(Should point out the whole financial institutions saveing difference extension need not make known the bank is placed in liquidity excess or the funds idle condition, the following chapter will concretely elaborate).The excess of the liquidity, if don't give enough value and take into adequacy to appease, will produce a series of and new problem.First, the liquidity and opposite excess will cause excesssive competition, pursue "big door" blindly and competitively, the non- reasonableness ground lowers a loan condition and descends to float interest rate, will enlarge the credit loan risk and interest rate risk;Excessive liquidity hurl to the funds and the money market, cause the money market mainly invest tools of interest rate to lower continuously even with the deposit rate pour to hang, weakening commercial bank profit ability, secondly the liquidity excess of the commercial bank would also enlarge the monetary policy of the National Central Bank performance cost, lower the execution of monetary policy.The commercial bank holds central bank note in great quantities, exceeding reserve, will make the monetary policy conduction's result give discount greatly.This text is from the angle of commercial bank, the usage settles various analytical methods of quality and quantity, to the bank liquidity excess this carried on forer the system to study for the new problem which is subjected to concern widely.The trade surplus pointed out to keep on and current our country of rate of exchange mechanism is cause liquidity excess of basic reason, analyzed the liquidity excess of the commercial bank of some measure standard, among them with the bank exceed a reserve rate for the importance symbolize, being from the tiny view and the macroscopic level put forward resolving the bank liquidity.Full textI am total to is divided into five parts.The first part is an introduction, analyzing current bank liquidity excess to produce of background and manifestation, put forward textual research angle and study meaning.The second part manifest the liquidity excess of the commercial bank to judge.First, to liquidity excess this concept to carry on a define all, Chien talks it, being commercial bank hold some fundse exceeded to maintain the funds that the necessary liquidity needs, and undertakes higher funds cost for this, appeared a liquidity excess problem.Also elaborated the mobility need of commercial bank, the liquidity supplied, net liquidity banking etc..Analyzed the differentiation of liquidity excess and liquidity ability, return from the content, creation reason, result, solved method's etc. to elaborate the relation between liquidity excess and liquidity risk.Secondly, the standard which elaborates to save the whole financial institutions saveing difference to measure the liquidity excess of the commercial bank isn't accurate, even is false.Pointed out to result in our country the financial institutions saveing difference extension of the main reason is a foreign exchange to share a style, and make use of a theory, Granger cause and effect examination etc. modern calculate economics tool to carry on substantial evidence analysis.Again, from settled quality and quantity both side to analyze whether our country commercial bank exist a liquidity excess problem or not.The third part elaborated the reason and the result of the liquidity excess.The four-part cent cracks commercial bank liquidity excess problem.Put forward understanding commercial bank mobility excess the principle definitely should holding first.Secondly, respectively from the tiny view level, macroscopic level and took charge of the angle of authorities to put forward some concrete measures, putting forward bank should change idea first, estimating the oneself liquidity surplus, making use of the liquidity funds of these surpluses to carry on the profits high investment thus, until needed them to satisfy the liquidity need of future, should also pass financial product and services innovation to raise an economic performance.for the government , then should develop with perfect capital market, promote the interest rate market , the rate of exchange system reforms, speeding stateowned commercial bank share system a reformation a step, providing good macroscopic environment for it, but financial authorities should be appropriate then to relax to take charge of bank, allow bank execution to mix already a camp, invest capital market, encourage "walk out" strategy.The textual and creative place body is following:(1)Choose one novel.The bank liquidity excess problem is one at present hotter research topic, before beginning a research, topic of related the research and cultural heritage is very and limited, the nature increased the writing difficulty.Be in the light of to current the Chinese financial problem do some beneficial quests, author brave try as to it's do a related research, hope to have already thrown the function that the brick leads jade only.(2)Study a method novel.The research concerning this aspect returns a big body to stay around qualitative analysis currently Up, but this text try a great deal of stirring data, the usage calculates the research that the analysis tool carries on a substantial evidence.(3)Carried on comparing to definition for the norm to the liquidity excess of the commercial bank this new concept.Because at present to liquidity excess this concept aloud all regardless in the academic circles and the actual situation field all in order to reach consistent understanding, but proceed from the demand of research, author puts forward an own standpoint difficultly for it, the liquidity excess of the commercial bank temporarily decide righteousness is commercial bank to hold some fundses to exceed to maintain necessary liquidity need of funds, and undertakes higher funds cost for this, appeared a liquidity excess problem.(4)Saveing difference of the bank at present conduct and actions measured the standpoint of the bank liquidity excess to carry on to rectify.The method which passes a substantial evidence proved to saveing difference is not the standard which measures the bank liquidity excess.(5)In crack the bank liquidity excess raise the resolvece , respectively from the tiny view, macroscopic level and take charge of authorities many angles to carry on comparing for the system, analyze completely.Among them, the point put forward keeping on of trade surplus with current renminbi rate of exchange mechanism is result in liquidity excess of basic reason, and put forward homologous measure to it.