摘要
本文从分析信贷紧缩的普遍性出发 ,对信贷紧缩的原因进行了探讨 ,进而揭示“信贷紧缩———不良贷款”陷阱的形成机制及其特征。为了破解“信贷紧缩———不良贷款”陷阱 ,作者提出 ,要适当放宽信贷标准 ,弱化紧缩性信贷管理 ,稀释不良贷款 ,实施相对宽松的宏观经济政策 ,支持中小企业发展 ,增加对金融机构的资金支持 ,加快企业改革。作者认为 ,为了防范信贷紧缩 ,需要建立存款保险机制、增强透明度、重视银行业务往来、提高资本充足率 。
This paper considers the formation mechanism and countermeasures of the trap of credit crunch nonperforming laon in general.It shows that increasing ratio of nonperforming laon is the main source of the formation of thetrap.The mechanism is as follows:nonperforming laon results in credit crunch,and increasing pressure of credit crunch causes higher ratio of nonperforming laon. Once the trap of credit crunch nonperforming laon take place,it should pursue a basket of complehensive policies to constrain the trap,the main measures are:to relax standard of lending,to surport small and media size financial institutions that need liquidity,to dilute nonperforming laons,to surport small and media size enterprises,to improve the reform of SOE′s.The paper sugests to take relative measures to keep thetrap away,that includes setting up the depositary insurance system,enhancing transparence of financial operations,being on guard of the interrelation of commercial banks and other financial institutions,increasing core adequence ratio of commercial banks,so as to maitain the stability of the financial system.
出处
《金融研究》
CSSCI
北大核心
2000年第5期29-38,共10页
Journal of Financial Research
