本文从银行体系的流动性过剩出发,以南京的经济金融数据为样本,运用数学模型对当前的信贷效率进行研究,对流动性过剩环境下信贷失衡过后表现形式进行阐述,分析了信贷失衡的原因和负面影响,并提出破解当前流动性过剩环境下的信贷失衡问题的建议与对策。 This paper starts with the excess liquidity in the banking system, takes Nanjing’s economic and financial data as a sample, uses mathematical models to study the current credit efficiency, elaborates the forms after the credit imbalance in the excess liquidity environment, and analyzes the reasons for the credit imbalance And negative impact, and put forward suggestions and countermeasures to solve the problem of credit imbalance in the current environment of excess liquidity.