摘要
信贷资产质量变化的原因主要来自于“银政”、“银法”、“银市”、“银人”(内部风险经济人的行为)的信息不对称。其解决途径除改革体制、强化内控机制外,还要在市场上打包销售、资产证券、挂牌交易等,充分利用国际化、市场化手段,兼辅以法律、法规、行政制度跟进以支持。
The causes of the change in the quality of credit assets resides in the information asymmetry between bank and government, bank and law, bank and market, and bank and the conduct of internal-risk economic man. In order to solve this problem, we should not only effect a structural reform and enhance an internal control mechanism, but also introduce packing sale, securitization, listed transaction and so on. We must make full use of the means of assets globalization and marketization while we obtain much support from the follow-up laws, regulations, and administrative institutions.
出处
《金融理论与实践》
北大核心
2005年第1期11-14,共4页
Financial Theory and Practice
关键词
银行业
不良资产
打包销售
模式选择
banking sector
non-performing assets
packing sale
mode selection
