关于地震灾区银行业呆账核销相关问题的思考

5.12汶川大地震主要影响四川及其周边省市,对灾区人民的生命财产安全造成了巨大的损害,党中央、国务院已经做出了一系列的紧急措施控制灾情,拯救人民的生命财产安全。5月23日,中国银行业监督管理委员会发布了《各银行业金融机构认真做好汶川大地震造成的银行业呆账核销工作,努力减轻受灾地区人民群众的债务负担》的通知。本文从该通知入手,分析银监会发布该通知的依据,通知的性质以及该通知相关内容对灾区银行业金融机构个人住房按揭贷款的主要影响,做出一些思考,以期获得有效的解决办法。

Thinking of earthquake district bank's bad debt cancelling problem

The 5.12 earthquake that hit Sichuan and its neighboring provinces caused great damage to the region. Both the CPC Central Committee and the State Council used great endeavors in disaster-relief tasks. On July 23rd, the China Banking Regulatory Commission (CBRC) ordered domestic banks to write off bad loans caused by the earthquake. This paper analyzes the ra- tionale behind this decision, the nature and its influ- ences on financial institutions in the quake-hit areas, and explores the best way to resolve the issue.