摘要
居民投资渠道单一,消费不足,金融机构严控放贷等原因导致银行产生巨额存差。巨额存差造成资金的浪费,产生较大的金融风险,对我国经济运行带来严重的隐患。可通过推进利率市场化,合理确定外汇储备规模,增加新的投资渠道,培育居民消费和投资信心等措施来减小存差。
A huge sum of gap in bank has been made by residents with narrow investment and inadequate consumption and by the strictly controlled loan model of the financing institutions. The huge gap has great negative effects on national economic circulation, such as idling precious capital in banks, causing serious financial risks, etc. In this paper, some useful proposals are made to bridge the gap in banks; propel interest rates marketing, control a reasonable level of foreign exchange reserve, increase the new investment outlets and cultivate the consumption and investment confidence of residents.
出处
《审计与经济研究》
北大核心
2003年第4期51-53,共3页
Journal of Audit & Economics
