国有商业银行亏损问题研究

由于产权单一、多次降息、资产质量差、无序竞争、财政虚收等十个方面的主客观原因 ,导致了我国国有商业银行严重的经营亏损 ,潜藏着巨大的金融风险 ,但由于有国家信用的强力支撑 ,暂时不会出现金融危机。要解决国有银行亏损问题 ,必须为其创造良好外部环境、进行产权制度改革、发展全能银行和加强金融监管。

Research on Loss Problem of State-owned Commercial Banks

There are 10 subjective and objective reasons, such as the single-property right, lowering the interest time and again, poor quality of assets,disorder competition and unreliable fiscal revenue, Those can lead to loss-making operation and great latest financial risk in our state-owned commercial Bank. But because of the strong support of out counting credit,there's no fiscal crisis temporarily. In orde to resolve the loss problem of state-owned commercial bank,we have to create a favorable external environment,reform the system of property right,develop all-round bank and strengthen financial supervision and management.