| | | | | 对我国经济转轨时期银行不良资产产生与解决途径的思考 | | | 谭兴民;宋增基 | | | 我国在从20世纪80年代由计划经济向市场经济转变以来,国有四大商业银行的不良资产在短短十几年的经济运行中,经历了快速增长,集中爆发,集中处理几个阶段。不良资产在1999年达到顶峰后,国家采取了特别的措施,即通过行政手段将巨额不良资产剥离,迅速降低了不良资产率,让我国银行主体在外资银行进入前变得更加健康。本文以宏观的视角研究和总结了中国经济转型时期内不良资产产生的原因和解决办法及其经验和教训,肯定了用行政手段让银行来承担转轨时期的改革和结构调整成本,再通过集中处理消除银行的负担,通过重组、引入境外战略投资者实现上市等措施,同时也指出国家没有把握好资产管理公司处置不良资产的节奏,没有达到不良资产处置效果的最大化。
【作者单位】：重庆大学经济与工商管理学院;重庆大学经济与工商管理学院 博士;中国建设银行总行资产保全部副总经理;北京100032;副教授;重庆400030
【关键词】：经济转轨;银行不良资产;行政剥离;银行重组上市
【分类号】：F832.2
【DOI】：CNKI:SUN:ZXGL.0.2008-06-021
【正文快照】：
一、我国经济转轨时期银行不良资产形成的特点1.形成时间集中,积累数额巨大我国从1985年开始对预算内基本建设投资拨款改为贷款,之后逐渐将企业流动资金拨款也改为贷款。随着经济转轨的逐步推进,银行发放贷款的范围逐步扩大,数量增加,在短短几年时间里,银行贷款成为国家、企业 | | |
| | |  推荐 CAJ下载  PDF下载 | | | CAJViewer7.0阅读器支持所有CNKI文件格式，AdobeReader仅支持PDF格式 | | | | On Cause and Solution of Bad Loans of Banks in the Period of China's Economic Transformation | | | Tan Xingmin PH.D at School of Economics and Business Administration;ChongQing University;and is Deputy General Manager of Special Assets Resolution Department;China Construction Bank;Beijing 100032;Song Zengji Professor at School of Economics and Business Administration;ChongQing University;Chongqing 40003 | | | Ever since China's transformation from planned economy to market economy in late 1980s,the bad loans of four big state-owned banks have experienced several periods as rapid accumulation,mass exposure and concentrative disposure within around ten years' economic operation.As the total amount of bad loans reached the peak in 1999,the government took special measures such as deprival of great deal of bad loans by administrative method,promptly decreasing the rate of bad loans,and making the main part of domestic banks grow healthier before the foreign banks joined in.The article summarizes the cause and solution of bad loans of banks during the period of China's economic transformation and the lessons of the banks in a macro point of view.It also approves the countermeasures of having banks burden the transformation and structural adjustment costs of transformational period in an administrative way,the concentrative disposure to take off the burden of banks and by reorganizing and involving in foreign strategic investors to realize listing on the stock market etc.At the same time,the government's weakness in controlling the disposure pace of the bad loans operated by the asset management corporations and the non-maximized outcome of the disposure were also pointed out by authors.
【Keyword】：economic transformation,bad loans of banks,administrative deprival,reorganizing of the banks for listing on the stock market |
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