关于我国存款准备金制度问题的思考

内容摘要

作为三大货币政策工具之一的存款准备金制度，在保障广大存款人的利益、保证正确制定和实施货币信贷政策、维护社会经济及金融稳定等方面发挥了积极作用。20多年来，存款准备金率经历了多次调整，每一次调整都与中央银行宏观经济调控的意图紧密相关。我国存款准备金制度尚处于逐步完善的过程中,制约了该项制度效力的发挥。本文将以存款准备金制度的功能和效用分析为起点，围绕中外存款准备金制度的异同、中国存款准备金制度是否合理进行深入分析，并据此提出我国存款准备金制度的改革路径，以确保存款准备金制度效力的充分发挥。

关键词： 存款准备金制度   问题   改革建议
About our country bank reserve against deposits system question ponder

Abstract

One of bank reserve against deposits system as three great monetary policy tools, in safeguard general depositor's benefit, guarantee correct formulation and implementation aspects and so on monetary management, maintenance social economy and financial stability has played the positive role. 20 for many years, the bank reserve against deposits rate has experienced many times the adjustment, each adjustment closely is related with the Central Bank macroeconomic regulation and control's intention. Our country bank reserve against deposits system was still in the process which consummates gradually, has restricted this system potency display. This article take bank reserve against deposits's function and the utility analysis as a beginning, regarding Chinese and foreign bank reserve against deposits system's similarities and differences, China bank reserve against deposits system whether to carry on the thorough analysis reasonably, and proposed according to the above our country bank reserve against deposits system's reform way, guarantees the bank reserve against deposits system potency the full display.

Key word：Bank reserve against deposits system   Question   The suggestion of reform

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