摘要
近年我国商业银行维持着较高的存差,且有发展之势。经对黑河市商业银行及城乡信用社存差去向进行个案分析,发现商业银行上存资金、联行占用、历年亏损、固定资产、待处理抵贷资产等是主要占用形态,金融结构、信用制度和经济改革带来的不确定性因素是造成高存差的主要原因。据此,本文从存贷两方面提出政策建议:一是在银行贷款层面,必须建立有效的信贷激励和完备的社会信用制度,促进金融中介效率提高;二是在存款层面,必须拓宽金融投资渠道分流储蓄,同时完善社会保障体系以降低公众的边际储蓄倾向。这样,信贷效率的提升和存款过快增长的缓和,将最终使高存差问题得以解决。
This paper reviews the low loan - deposit ratio and traces the causes through the case study on Heihe City, Heilongjiang province. It is shown that claims on intra and inter bank institutions, cumulated loss, fixed assets and unrealized collaterals are main channels for the fund flow. On the other hand, the huge gap between deposit and loan is due to financial structure, credit record system and uncertainty from reform.
出处
《金融研究》
CSSCI
北大核心
2004年第4期136-142,共7页
Journal of Financial Research
关键词
银行存差
资金去向
loan- deposit ratio, fund allocation
