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当前,我国央行调整实施稳健的货币政策,以“用好增量、盘活存量”作为货币政策的主基调,银根渐趋收紧,随之经济体系中流动性不足即“钱荒”问题逐渐暴露。本文基于商业银行信贷视角,在利润最大化条件下,构建商业银行应对央行存、贷款利率调整而采取相应信贷行为的利润模型,揭示商业银行信贷行为与央行货币政策的“背离”是隐藏在“钱荒”背后的深层次原因,并相应提出改进的对策建议。
At present, the central bank of China adjusts and implements a prudent monetary policy so as to “make good use of the increment and revitalize the stock” as the main tone of monetary policy, and the monetary policy is gradually tightened up. As a result, the liquidity in the economic system means The problem gradually exposed. Based on the perspective of commercial bank credit, under the condition of profit maximization, this paper constructs a profit model that commercial banks should take appropriate credit action when they adjust deposit and lending interest rate of central bank, revealing that the “deviation” between commercial bank credit behavior and central bank monetary policy is hidden The deep reason behind the “money shortage”, and put forward corresponding countermeasures and suggestions for improvement.