| 对国有商业银行"惜贷"问题的理性思考 |
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| 引用本文： | 黄湃. 对国有商业银行"惜贷"问题的理性思考[J]. 经济经纬, 2003, 0(3): 83-85 |
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| 作者姓名： | 黄湃 |
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| 作者单位： | 河南财经学院,财政金融系,河南,郑州,450002 |
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| 摘 要： | 国有商业银行“惜贷”折射出信用环境不佳,信贷风险大和管理机制缺陷等问题。尽管有其经营行为理性的一面,但对银行自身和社会都是不经济的,尤其是央行刺激内需,缓解通货紧缩压力的政策意图准以得到有效贯彻。解决“惜贷”问题的关键是加大国有商业银行深层次改革的力度,构建完善的信用担保体系和企业征信系统,依法规范社会信用关系。
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| 关 键 词： | 国有商业银行 “惜贷” 信贷风险 社会信用 管理机制 |
| 文章编号： | 1006-1096(2003)03-0083-03 |
| 修稿时间： | 2003-01-03 |
Rational Consideration on the Issue of State-owned Commercial Bank "Sparing Loan" |
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| HUANG Pai. Rational Consideration on the Issue of State-owned Commercial Bank "Sparing Loan"[J]. Economic Survey, 2003, 0(3): 83-85 |
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| Authors: | HUANG Pai |
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| Abstract: | The "sparing loan" of state-owned commercial bank has reflected series of issues such as the inferior credit circumstance, the big credit risk and the deficient management mechanism and etc. On the one hand, this kind of operation behavior is rational; on the other hand, it is uneconomical for bank and society, especially it is difficult for central bank to carry out the policy intention that will reduce the pressure of deflation through stimulating domestic needs. The keys to resolve "sparing loan" lie in deepening the reform of state-owned commercial bank, constructing perfect credit surety system and ruling society credit relations. |
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| Keywords: | state-owned commercial bank credit risk sparing loan sparing loan fiscal audit |
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