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不良资产处理、股份制改造与外资战略——中日韩银行业经验比较
引用本文:王一江,田国强.不良资产处理、股份制改造与外资战略——中日韩银行业经验比较[J].经济研究,2004(11).
作者姓名:王一江  田国强
作者单位:明尼苏达大学,清华大学,德克萨斯A&M大学,上海财经大学 100084,200433
摘    要:本文通过中日韩三国银行业的经验比较 ,以政府和银行之间的互动关系为切入点来具体说明强政府制度安排下的政银关系、银行不良贷款产生的原因和处理办法以及银行治理结构的内容。在经验证据和理论分析的基础上得到结论 :股份制的形式并不能改变强政府下政银关系的实质 ,为了实现国有银行的改革 ,引进外资是极其重要的战略选择。

关 键 词:不良资产  国有商业银行  股份制改造  强政府  引进外资

Resolving Non-perform Asserts, Joint-stock Reconstruction and the Strategy of Introducing Foreign Capital
Wang Yijiang & Tian Guoqiang.Resolving Non-perform Asserts, Joint-stock Reconstruction and the Strategy of Introducing Foreign Capital[J].Economic Research Journal,2004(11).
Authors:Wang Yijiang & Tian Guoqiang
Abstract:This paper explains the relationship between a strong government and banks, and discusses the reason and resolution of banks' non-perform loans and the contents of bank governance structure through the comparison among Korean, Japanese and Chinese banks. Based on the experiences and theoretical analysis, we obtain the following conclusions: (1) The essential cause for non-perform loans in Korea, Japan and China is the special relationship between government and banks under the strong government institutional arrangements; (2) Being a joint-stock corporation is not an effective method to change such the special relation; (3) Introducing into the foreign capital is an important strategy to break the special relationship between a strong government and banks and would result in an effective bank governance structure.
Keywords:Non-perform Asserts  State-owned Banks  Joint-stock Reconstruction  Strong Government  Introduce Foreign Capital  
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