关键词: 流动性过剩, 分层, 作用机制, 成因

Abstract: Excess liquidity should be divided into two layers:banking system and market,and these two layers of excess liquidity each has different determinative index.Although they have causality and interaction between each other,coexistence will not be necessary.While analyzing its cause of formation,students may have ignored three important factors as follows:change of operation style in postal savings,the income of public finance gathered from land mortgage,and development of new payment instruments as well.Executing the policy of"foreign exchange held by the people",enhancing the ratio of direct financing to indirect financing,and optimizing the structure of credit will all help to ease liquidity surplus of our economy.

Key words: liquidity surplus, layer classification, interaction mechanism, cause of formation