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近期,我国外汇占款快速增长的势头发生一定变化,个别时期甚至出现了负增长,这一变化对银行体系流动性产生了深刻影响。伴随存款增长的放缓,贷存比指标对商业银行经营行为和信贷增长的约束日益明显,贷存比监管的存废问题引起了广泛讨论。本文以上海外资银行为例,重点讨论了贷存比监管对银行信贷增长的影响,并根据分析结论提出政策建议。
Recently, the trend of rapid growth of foreign exchange reserves in our country has undergone some changes. In some periods, even negative growth has taken place. This change has had a profound impact on the liquidity of the banking system. With the slowdown in deposit growth, the loan-to-deposit ratio indicator has become more and more restrictive to the business operations and credit growth of commercial banks. The issue of deposit-loan ratio monitoring has been widely discussed. Taking Shanghai foreign banks as an example, this paper mainly discusses the impact of loan-to-deposit ratio supervision on bank credit growth, and puts forward policy suggestions based on the conclusions of the analysis.