泡沫经济破灭前后日本银企信用风险管理制度及其功效分析

战后，日本金融体系效仿欧美国家建立起一系列信用风险管理制度。同时，根据市场主导型金融市场的特点，逐步建立起具有自身特点的信用风险管理制度。日本银企信用风险管理制度包括商业银行的内部控制制度、银行风险防御及挽救制度、商业银行外部监管制度。通过对日本银企信用风险管理制度的功效进行剖析，可以看出这一制度存在局限性并与日本的泡沫经济、金融危机、金融效率存在内在关系。

Analysis of the Institutions of Japans Risk Management of Banking Credit and the Performance:Pre-and Post-the Bubble Economy

Institutions of risk management of banking credit were established in post-war Japan by imitating the western countries.At the same time,Characteristic institutions had been also developed to adapt to Japan's market dominating financial system.The Japanese type of banking credit risk management includes the internal control system of commercial banks,the systems of banking risk avoidance and bailing out,and the external monitoring or supervising system.An analysis of the performance of Japan's banking credit risk management reveals the limits of the institutions.These limits are inherently connected with the Japanese bubble economy,the financial crisis,and the low efficiency of the financial system.