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《The Theory and Practice of Finance and Economics》 2007-04
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An Analysis on the Reasons for Liquidity Excess of Commercial Banks in China and its Potential Risks

TIAN Su-hua (Department of world Economy,Fudan University,Shanghai 200433,China)  
Liquidity excess is a common problem in commercial banks in China,especially in state-owned commercial banks.This phenomenon is fundamentally caused by two aspects: return of China's banks excessively depending on loan and credit business,and restraint of non-interest business.Banks don't have full autonomy to pricing deposit and loan interest rates since Lack of the ability for pricing credit risk.Direct reasons lie on as following: further deepening of commercial banks' share system reform,sustained increase of foreign direct investment and production overcapacity of backbone enterprises.The ongoing liquidity excess in China's finance system will reduce banks profit and deteriorate the formation of capital risk.The solutions are presented as following: to further open commercial banks business,increase the autonomy power of state-owned commercial banks,develop stock market and improve structure of foreign investment.
【Fund】: 教育部人文社会科学立项课题(项目批准号:02JA790017);; 上海市哲学社会科学规划课题(项目批准号:2005BJL001);; 复旦大学世界经济学科985创新基地项目“中国经济国际环境竞争力研究”课题的部分研究成果
【CateGory Index】: F832.2;F224
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1 YAN Tai-hua,LI Ying-mei(School of Economics & Business Administration,Chongqing University,Chongqing 400030,China);Research on Liquidity Surplus of Commercial Banks in China[J];On Economic Problems;2008-11
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4 Jia Liping;Li Xuchao;School of Finance and Banking,Shanxi University of Finance and Economics;;Research on the Influencing Factors of Commercial Banks' Liquidity Fluctuations from the Macro Perspective[J];Comparative Economic & Social Systems;2014-04
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