摘要
过度强调形成不良资产的非市场因素容易导致商业银行的道德风险,增量防范才是解决不良资产问题的关键。在体制完善的同时,根据工程化思路,设计合理的增量防范激励机制,将有助于解决不良资产问题。
To emphasize too much on nonmarket factors of nonperforming asset will lead to moral hazard of commercial banks; it is critical to solve problem of nonperforming asset that we pay attention how to prevent new bad asset from accumulating. While system being reformed, according to thinking of engineering, incentive systems are devised to solve problem of nonperforming asset.
出处
《重庆大学学报（社会科学版）》
2003年第4期41-44,共4页
Journal of Chongqing University(Social Science Edition)
关键词
商业银行
不良资产
增量防范
激励机制
信用衍生品
commercial bank
non-performing asset
preventing bad asset from accumulating
incentive system
credit derivatives
