华东师范大学学报(哲学社会科学版) ›› 2003, Vol. 35 ›› Issue (6): 78-83, 121.doi: 10.16382/j.cnki.1000-5579.2003.06.012

• 经济 社会 • 上一篇    下一篇

化解国有银行不良资产风险的新视角

叶德磊   

  • 收稿日期:2003-06-11 出版日期:2003-11-01 发布日期:2025-12-15
  • 作者简介:叶德磊(1962-), 男, 江西永修人, 华东师范大学商学院经济系教授, 博士生导师

A New Perspective of the State-owned Bank's Risk Control of Non-performing Loans

De-lei YE   

  • Received:2003-06-11 Online:2003-11-01 Published:2025-12-15

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摘要：

我国国有银行的不良资产实际上是一种政府债务, 但政府的债务总规模并不像目前一种流行的观点所描绘的那样令人轻松, 因此, 对国有银行不良资产的处理要有紧迫感。近年来, 国有银行在降低不良资产率方面有所成就, 但具体的市场和数据分析表明, 银行自身无力解决既存的不良资产。政府的适当财政支持、银行改革和金融创新是银行资产风险管理中可以运用也必须运用的资源。从金融要求来看, 应首先着手于银行住房抵押贷款的证券化, 而不是银行不良资产的证券化。

关键词: 国有银行, 不良资产, 资产风险, 风险管理

Abstract:

The non-performing loans of state-owned banks in China are virtually government debts. The total amount of government debts, however, is not so optimistic as a popular view describes. The treatment of non-performing loans should be considered seriously and urgently. In recent years some progress has been made in decreasing the bad loan ratio. But an analysis of market and specific data indicates that the risk management and solution to bad loans not only depend on banks themselves, but also on proper financial supports from government and en reforms and innovations of banking industry. As a financial requirement, the securitization of mortgage loans instead of non-performing loans should be first dealt with.

Key words: state-owned bank, non-performing loan, capital risk, risk management

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