中国银行体系脆弱性研究

【作者】 曾瑞莲；

【导师】 吴青；

【作者基本信息】 对外经济贸易大学 ， 金融学， 2004， 硕士

【摘要】 在中国，银行是金融体系的核心，银行体系的稳定对中国经济的持续稳定发展至关重要。随着中国的入世，中国银行业也面临越来越大的竞争压力。中国银行体系目前存在的问题较多，如何从根本上改变其现状是当前亟待解决的问题。本文从银行脆弱性的角度，借鉴国内外学者的有关研究成果，对中国银行体系脆弱性的成因进行了系统的分析。从众多相关论著中可以得出结论，银行具有内在的脆弱性，而外在的因素也会在一定程度上增加银行的脆弱性。中国银行体系的脆弱性除了具有共性之外，还具有转轨经济国家的独特成因。其中，突出的一点就是中国在转轨时期的体制变革造成了银行、企业以及经济其他方面发展的不协调，使得中国银行不良资产数目巨大，资产质量低下，竞争力不高。因此，在分析中国银行脆弱性成因时，本文重点从体制转轨角度进行了分析，并对法律、监管和经济增长等外部因素的影响也做了论述。本文采用理论和实际相结合的方法，借鉴已有的研究成果，分四个部分对中国银行体系的脆弱性展开论述。首先介绍了银行体系脆弱性的有关概念，并回顾了国内外学者的研究成果；然后立足于一般的制度环境，分别从不同角度进行了系统的理论分析；在此基础上，具体分析了中国银行体系脆弱性的问题；最后根据上述的分析，结合中国目前的实际情况，从三个方面提出了如何化解中国银行体系脆弱性的建议。更多还原

【Abstract】 In China, the bank system is the core of the financial system, the stability of which is very important for the continuously development of the China’s economy. With China’s entry into WTO, the bank system will face more and more competition pressure, so, how to solve those problems that exist in the bank system is urgent at present. This paper intends to learn from a serious of papers about the bank fragility and analyze the bank system fragility in China.From many researches of the bank system fragility, a conclusion is draw that, the bank fragility is endogenous, while the exogenous factors can also add to the bank fragility. In addition to the common causes of the fragility, Chinese bank system has its own specific causes. The prominent one is that, the transformation of the economic system made the disequilibria development among banks, enterprises, and other economic units, which then cause the huge amount of the non-performing loan in the bank, the low quality of the bank’s assets, the low ability of the bank’s competition. Because of that, this paper pays more attention to the analyzing of the effects of the transformation; furthermore, discuss other factors like the effects of the law, the supervision and the economic development fluctuation. At last, this paper makes suggestions of how to solve the bank system fragility based on the above analyzing.This paper discusses China’s bank system fragility theoretically and empirically with the existing study results in four parts. The first part is the instruction, in which are the related definitions of the bank fragility and the review of former researches at home and abroad. The second part’s discussions are from the point of view of bank, enterprises and the Information Economics on the common condition. The third part investigates the China’s bank system fragility. The last part of this paper makes three suggestions about how to eliminate China’s bank system fragility.更多还原