本文關(guān)鍵詞： 緊縮性貨幣政策 商業(yè)銀行轉(zhuǎn)型 存款準(zhǔn)備金率 通貨膨脹 流動(dòng)性過(guò)剩　出處：《內(nèi)蒙古大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：我國(guó)國(guó)際收支持續(xù)雙順差帶來(lái)外匯儲(chǔ)備增加局面長(zhǎng)期存在,為對(duì)沖銀行體系過(guò)剩的流動(dòng)性,央行將在較長(zhǎng)時(shí)期內(nèi)執(zhí)行緊縮性的貨幣政策。緊縮性的貨幣政策對(duì)銀行存款、信貸、資金等業(yè)務(wù)以及銀行收入、資產(chǎn)質(zhì)量的影響利弊共存,商業(yè)銀行應(yīng)正確應(yīng)對(duì),做好相應(yīng)的準(zhǔn)備。 2010年以來(lái)央行不斷實(shí)施緊縮性的貨幣政策,包括提高存款準(zhǔn)備金率,加大央行票據(jù)的發(fā)行量,實(shí)施窗口指導(dǎo)等,這些緊縮性貨幣政策對(duì)商業(yè)銀行是否會(huì)有影響,成為需要加以關(guān)注的問(wèn)題。 從緊的貨幣政策,對(duì)商業(yè)銀行意味著信貸類資產(chǎn)業(yè)務(wù)的過(guò)快擴(kuò)張將成為重點(diǎn)調(diào)控對(duì)象,銀行傳統(tǒng)信貸利息收入的增長(zhǎng)步伐將放緩,銀行要維持近年來(lái)利潤(rùn)快速增長(zhǎng)的勢(shì)頭,就必須擺脫過(guò)于依賴傳統(tǒng)信貸業(yè)務(wù)的局面,拓展中間業(yè)務(wù),提高非利息收入的能力。同時(shí),各項(xiàng)貨幣政策的實(shí)施,特別是存款準(zhǔn)備金率的持續(xù)提高,在收縮銀行信用創(chuàng)造能力的同時(shí),也造成市場(chǎng)資金趨緊的局面,給銀行資金的運(yùn)營(yíng)管理增加了不少難度。因此,從緊的貨幣政策不僅要深度考量商業(yè)銀行在宏觀調(diào)控環(huán)境中的經(jīng)營(yíng)管理水平,而且會(huì)迫使商業(yè)銀行加快實(shí)施戰(zhàn)略轉(zhuǎn)型。本文擬研究緊縮性貨幣政策實(shí)施的內(nèi)在原因,展示我國(guó)貨幣政策的實(shí)施和其在經(jīng)濟(jì)發(fā)展的過(guò)程中起到得的作用,深度探討緊縮性政策對(duì)商業(yè)銀行的影響,并提出有關(guān)對(duì)策和建議。
[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.
【學(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.33;F822.0

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