浅析调整存款准备金带来的影响

摘  要

近几年，随着我国经济快速发展，向全世界展示了我国经济实力。但是经济的快速增长同时也带来了一些问题，我国经济在逐渐由偏快转向过热，银行体系存在严重过剩的流动资金，2007年物价持续走高，引发了通货膨胀的担忧。为了防止通货膨胀，控制银行体系的流动性，我国央行综合运用多种货币政策：上调存贷款利率，上调存款准备金率等。央行频繁采用这些货币政策是历年来所罕见的。存款准备金政策是我国传统的三大货币政策工具之一，可以通过调整它来控制我国资金的流动性过剩，以及缓解通胀压力等。本文基于国内当前经济状况，首先介绍了存款准备金的概念及作用；其次对我国存款准备金率的调整进行简要分析，并归纳其特点；最后通过分析其调整的原因，来着重论述调整存款准备金带来的影响。

关键词：货币政策  存款准备金率  备付率  货币信贷总量
ABSTRACT
In recent years, as China's rapid economic development, demonstrated to the whole world China's economic strength. However, rapid economic growth but also brought some problems, China's economy gradually shift from quick overheating, the banking system has serious liquidity surplus in 2007, prices continued to move up, sparked inflation worries. In order to prevent inflation, control the banking system liquidity, the central bank of China's comprehensive use of various monetary policy: raise interest rates for deposits and loans, raised deposit reserve rate. Bank of frequent use of these over the years by the monetary policy is rare. Reserve policy is China's traditional one of the three tools of monetary policy, it can be adjusted to control the mobility of China's capital surplus and ease inflationary pressures, and other issues. Based on the current domestic economic situation, first introduced the concept of reserve role and secondly on China's deposit reserve rate adjustments to brief analysis, and summed up its characteristics and finally through the analysis of the reasons for its adjustment, to focus on adjustment of the deposit reserve the impact of gold.

Key words: Monetary policy  Deposit reserve ratio  Prepared to pay rates
Monetary and credit aggregate

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