疫情下的日本银行业

新冠疫情对日本经济产生了深刻的影响,对大量企业和家庭的收入和现金流周转带来冲击。日本政府为应对疫情导致的经济恶化,推出了加强流动性支持、提高金融机构向企业和家庭提供融资的意愿、降低企业融资成本三项主要措施。日本银行业积极配合政府的纾困政策。目前企业经营风险尚未传导至银行业,但风险存在滞后性。随着纾困政策结束,预计将产生大量的不良债权,银行业短期内资产质量承压,部分业务受阻。

Japanese Banking Industry in the Pandemic Situation

During Covid-19 crisis,the J apanese government launched a package of rescue policy to enlange liquidity and encourage financing.Although the credit risk increases in the short term,the long-term impact to the Japanese banking industry is limited.At the same time,the reshaping of global supply chain and digitization of the banking industry will help banks to further develop.