摘要
不良资产一直是困扰我国银行业健康发展的重要问题,其负面影响放大了金融脆弱性的风险。大量的不良资产损害了商业银行的安全性原则,同时降低了商业银行资产的收益性,严重影响中国银行业的竞争力。在这个意义上,不良资产具有巨大的金融负外部性。当前,一方面要采取措施防止不良资产反弹,包括引入经济资本管理理念,加强行业风险研究,推行全面风险管理,加快现有不良资产的处置等;另一方面,为了消除其金融负外部性的影响,有必要通过建立明晰的银行业产权制度,增加金融激励,引进民营银行等手段促使外部性内部化,保障中国银行业的健康发展。
Non-performing asset has always been a serious problem inhibiting the healthy development of our banking industry. Its negative impact increases the risk of financial vulnerability. Huge amount of non-performing asset not only undermines the principle of safety but also lowers the profitability of commercial banks, weakening China＇s competitiveness to a great extent. In this sense, non-performing asset features enormous adverse financial externality. Now, on the one hand, efforts should be taken to shun the rebound of non-performing asset by introducing the concept of economic capital management, strengthening risk research in the sector, implementing overall risk management and accelerating the disposal of non-performing asset and on the other hand, to eliminate the negative impact of financial externality and guarantee the sound growth of China＇s banking industry, it is necessary to internalize such externality by various means such as establishing clear banking ownership, increasing financial incentives and ushering in private banks.
出处
《金融论坛》
CSSCI
北大核心
2006年第5期15-19,共5页
Finance Forum
基金
国家教育部人文社会科学2003年度研究项目(03JD790038)
湖南省社科基金项目(04YB044)
关键词
商业银行
不良资产
金融脆弱性
金融外部性
金融负外部性
commercial banks
non-performing assets
financial fragility
financial externality
adverse financial externality
