中国紧缩性货币政策的实施对商业银行经营的影响

发布时间：2018-01-22 11:31

本文关键词： 紧缩性货币政策商业银行转型存款准备金率通货膨胀流动性过剩　出处：《内蒙古大学》2012年硕士论文　论文类型：学位论文

【摘要】：我国国际收支持续双顺差带来外汇储备增加局面长期存在,为对冲银行体系过剩的流动性,央行将在较长时期内执行紧缩性的货币政策。紧缩性的货币政策对银行存款、信贷、资金等业务以及银行收入、资产质量的影响利弊共存,商业银行应正确应对,做好相应的准备。 2010年以来央行不断实施紧缩性的货币政策,包括提高存款准备金率,加大央行票据的发行量,实施窗口指导等,这些紧缩性货币政策对商业银行是否会有影响,成为需要加以关注的问题。从紧的货币政策,对商业银行意味着信贷类资产业务的过快扩张将成为重点调控对象,银行传统信贷利息收入的增长步伐将放缓,银行要维持近年来利润快速增长的势头,就必须摆脱过于依赖传统信贷业务的局面,拓展中间业务,提高非利息收入的能力。同时,各项货币政策的实施,特别是存款准备金率的持续提高,在收缩银行信用创造能力的同时,也造成市场资金趋紧的局面,给银行资金的运营管理增加了不少难度。因此,从紧的货币政策不仅要深度考量商业银行在宏观调控环境中的经营管理水平,而且会迫使商业银行加快实施战略转型。本文拟研究紧缩性货币政策实施的内在原因,展示我国货币政策的实施和其在经济发展的过程中起到得的作用,深度探讨紧缩性政策对商业银行的影响,并提出有关对策和建议。
[Abstract]:China's balance of payments continues to double surplus to increase the situation of foreign exchange reserves for a long time to hedge the excess liquidity of the banking system. The central bank will implement a tight monetary policy for a longer period of time. The impact of tight monetary policy on bank deposits, credit, capital and other businesses, as well as bank income and asset quality, will coexist. Commercial banks should respond correctly and make corresponding preparations. Since 2010, the central bank has continuously implemented a tight monetary policy, including raising the reserve requirement ratio, increasing the issuance of central bank notes, and implementing window guidance. Whether these contractionary monetary policies have influence on commercial banks has become a problem that needs to be paid attention to. Tight monetary policy to commercial banks means that the rapid expansion of credit assets will become the focus of regulation and control, and the growth pace of traditional credit interest income will slow down. In order to maintain the rapid growth of profits in recent years, banks must get rid of the situation of relying too much on traditional credit business, expand intermediary business and improve the ability of non-interest income. At the same time, the implementation of various monetary policies. Especially, the continuous improvement of reserve ratio, while shrinking the ability of bank credit creation, also leads to the tightening of market capital, which increases the difficulty of the operation and management of bank funds. The tight monetary policy should not only consider the management level of commercial banks in the macro-control environment. And will force commercial banks to speed up the implementation of strategic transformation. This paper intends to study the internal reasons for the implementation of tight monetary policy, to show the implementation of monetary policy in China and its role in the process of economic development. This paper probes into the influence of the contractionary policy on the commercial banks, and puts forward some countermeasures and suggestions.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33;F822.0

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