摘要
在国际上 ,信贷资产转让是获取“消费者剩余”的逐利行为 ,而我国的信贷资产转让业务在某种程度上却异化为逃避监管的工具。其异化的原因主要是 :我国的金融制度环境和市场环境与国外完全不同 ;风险评价粗放 ,差异不大等。因此 ,监管当局需要从更为宏观的高度审视金融业的发展态势、金融与经济的适配程度 ,联合和整合有效资源 ,改善基本金融环境。
It's internationally a profit-seeking action for 'consumer residual 'to transfer credit loan assets, however, in China to some extent it has aliened as a tool for freeing from supervision. The reasons for the alienation are primarily as follows: the financial system environment and market environment in China are thoroughly different from foreign situations; risk assessment is extensive and makes little difference. Therefore, it's necessary for the supervisory authority from an even higher macro-viewpoint to see into the development trend of banking industry, appropriateness of finance and economy, to combine and integrate effective resources and to improve underlying financial environment.
出处
《河南金融管理干部学院学报》
北大核心
2003年第5期29-31,共3页
Journal of Henan College of Financial Management Cadres
