浅议借贷管制与金融自由

在商业银行贷款行为日益市场化的今天,贷款仍是商业银行最主要的资产业务之一.随着现代经济与金融的飞速发展,各个金融机构的信贷规模迅速发展扩大,但同时带来的负面影响则是其贷款的风险越来越大,安全系数越来越小.随着全球金融一体化的发展和我国加入WTO,我国金融市场上的不确定因素急剧增加,特别是商业银行的经营管理将面临越来越严峻的考验.是继续加强对贷款的管制,还是顺应金融自由化的浪潮而放松管制,很难有明确划一的答案.本文拟通过对现行商业银行贷款在实体与程序方面所作限制的介绍与分析,找出借贷管制与金融自由化的连接点.

Discussion of Loan Control and Finance Liberty

As the loans of commercial banks become more and more marketable,the loans still remain the uppermost position of the banks' operation.The scale of loans of financial organizations is expanding dramatically.On the other hand,the negative part is the risk of loans is also increasing.After entering into WTO,there are more uncertainty factors in Chinese financial market,especially the management of commercial banks will face tough test.Should we continue to control the loans or loosen it,there is no clear answer.The essay tries to introduce and analyze the commercial banks' loans,and find the connection between loans' control and financial freedom.