金融机构开始进入巨额存差时代 2006年2月21日,中国人民银行货币政策分析小组发表了《中国货币政策执行报告》(以下简称“报告”),首次对我国金融机构的巨额存差现象作了分析。报告指出,我国金融机构在1995年开始出现存差, 即金融机构的各项存款大于各项贷款的差额,并且逐年扩大。2005年末金融机构存 Financial Institutions Begin Entering Massive Survival Times On February 21, 2006, the Monetary Policy Analysis Group of the People’s Bank of China published the “Report on the Implementation of Monetary Policy in China” (hereinafter referred to as the “Report”) for the first time, making a huge deposit-taking phenomenon in China’s financial institutions Analysis. The report pointed out that China’s financial institutions started to have a deposit balance in 1995, that is, the deposits of financial institutions are larger than the difference between various loans and have been expanding year by year. At the end of 2005, financial institutions were kept