金融生态视角下我国商业银行流动性问题研究

摘要

在金融危机影响下,我国银行业体系一方面要在国际竞争中争取利益,另一方面又要尽力摆脱危机所带来的负面效应。目前,流动性过剩的问题对于银行来说,就是巨大的考验。本文在维护良好金融生态的前提下,提出优化我国金融生态环境、加强央行对商业银行＂过剩流动性＂的回收力度、完善我国外汇管理体制等有效化解流动性危机对策。%Under the influence of the financial crisis,on one hand commercial banking system fight for their interests in international competition.On the other hand,it strive for getting rid of the negative effects the crisis has brough about.At present,the problem of excess liquidity for the banks is a huge challenge.Under the premise of maintaining sound banking ecology,the paper put forward the countermeasures to effectively solve excess liquidity crisis by optimizing the environment of banking ecology in our country,strengthening the reclaiming ＂excess liquidity＂of the commercial banks by the central bank,and complete foreign exchange management system and so on.