金融危机源于信贷市场上信用的过度使用。宏观经济调控中起关键作用的手段仍然是政府对信贷的控制,通过控制银行信贷总量而引起的总供求状况的改变会导致商业银行流动性的变化,因此,银行信贷供给约束造成我国经济中信贷收缩从而发生流动性过剩。
Financial crisis comes from the excessive use of credit on credit market. The credit control from government still plays a key role in macro economy. Liquidity of commercial banks changed along with total supply and demand influenced by the control of aggregate credit. And so, the constrained credit supply results in the decreasing credit which leads to liquidity surplus.