中日两国商业银行不良贷款问题比较研究

【作者】 张颀；

【导师】 李树生；

【作者基本信息】 首都经济贸易大学 ， 金融学， 2004， 硕士

【摘要】 中日两国的银行业都存在着严重的不良贷款，不良贷款率是一个衡量银行风险的重要指标，而银行稳定又是金融稳定的关键。银行业存在巨额的不良贷款，这已成为世界关注的问题。中日两国都有高速发展的相同经历，从日本过去的经验中得到启示，对我国未来的经济发展有着重大意义。 建立比较体系，对中日两国社会历史条件和经济金融环境进行分析。在不良贷款的成因分析中，找出中日两国的异同点。找出不良贷款的发展规律，对不良贷款进行程度识别。分析日本采取的一系列处置不良贷款的政策、措施及其效果。评论我国对银行不良贷款的解决办法。汲取日本教训，在适当的时机采取最恰当的方法消化已有的不良贷款，同时坚持各种措施防范新增不良贷款。政府在处置不良贷款过程中，提供的相关支持政策要具有连续性和配套性。各方面主体应正确调控资金流向，避免大规模资金涌入经济热点行业，导致金融资产过渡膨胀引发经济泡沫、银行危机。成立相关金融监管当局，完善相关法规，加强对各种金融违法活动的监管，从而创造良好的宏观金融环境。尤其是今后上市银行要避免出现日本银企间相互持股而导致的约束机制弱化问题。在我国所处时代和国际环境中，不断完善银行不良贷款管理体系，从而在经济全球化的今天增强我国的国际竞争力。更多还原

【Abstract】 There are massive non-performing loans in China’s and Japan’s banking industry. Non-performing loans’ proportion is an important index to valuate banking risks, however, stable banking system is critical to the whole financial industrial stability. Substantive non-performing loans in banking industry have become one of the hottest issues of the whole world. China and Japan share the similar highly-developing experiences, so Japan’s past relevant experiences are significant to China economic development.The thesis builds comparative system, and analyzes China’s and Japan’s historic conditions and economic circumstances, and finds similarities and differences between them, and formulates and identifies the laws of non-performing. The author analyzes the whole set of Japan’s related policies, measures and final effects, and reviews China’s settlements, and suggests that the government should draw a lesson from Japan, and takes optimum measures to settle non-performing loans at the optimum time. Meantime, additional actions should be taken to prohibit newly non-performing occurrence. The government should emphasize actions’ consistency and coordination, and relevant parties allocate loans reasonably to avoid over-invested occurrence, bubble economy, and banks’ crisis. The thesis thinks founding related financial supervisory, improving related laws and regulations, and enhancing supervision of illegal actions is necessary to create a sound macro-financial environment. Especially, banks with public shares should avoid the problems that restrictive system is weakened due to cross-held equity between corporations and banks in Japan. At present, China must stick firmly to improving banking anti-non-performing loans system, and upgrade China’s banking competitiveness in the economic globalization.更多还原