关键词: 流动性过剩, 存贷差, 外汇占款, 货币政策

Abstract: Rather than difference between deposits and loans,occupying foreign exchange,or increasing gap between M2 and M1,it is the direct source for Chinese liquidity surplus that monetary policy did not react in time to the changing economic situations.To solve the liquidity surplus,we have 3 ways:first,take more contractionary monetary policy and prevent the possibility of inflation;second,take the expansionary fiscal policy and keep the economy stable;and third,speed up the marketization of interest rates and help to build the free-floating system of exchange rate.

Key words: liquidity surplus, difference between deposits and loans, occupying foreign exchange, monetary policy