中国渐进转轨中银行不良贷款与经济增长研究

本文分析了渐进转轨中我国经济增长无法回避和跨越的问题——银行的不良贷款及其对经济增长的制约,并把不良贷款分为政策性不良贷款和经营性不良贷款,分别讨论他们对经济增长的影响。在此基础上,就如何防范化解不良贷款风险,支持可持续经济增长,分别从政府、银行、监管当局方面提出消除软预算约束,改变经济增长方式;推进银行综合改革,实现信贷行为优化,防范不良贷款风险;以《新巴塞尔资本协议》为基准,实行审慎贷款风险监管等政策建议。

Non-Performing Loans in China's Gradual Transitional Period and Economic Growth

This paper deals with an unavoidable hindrance to our economic growth during the transitional period--non-performing loans as well as their constraint on economic growth. As non-performing loans are believed to be caused by policy and operation factors, their impact on economic growth is discussed. Policy suggestions are offered to defuse risks of non-performing loans, support sustained economic growth, eliminate limit on soft budget by government, banks and supervisory body, change economic growth patterns, advance overall banking reform, optimize credit behavior and exercise prudent supervision over loan risks according to New Basle Capital Accord.