我国国有银行不良资产产生的原因分析  

Analysis on the Causes of Bad Assets in State-Owned Banks of Our Country

作　　者：丁述军[1] 刘玉侠[2] 

机构地区：[1]山东财政学院金融学院,山东济南250014 [2]安徽财经大学会计系,安徽蚌埠233041

出　　处：《财贸研究》2004年第6期98-101,共4页Finance and Trade Research

摘　　要：我国国有银行不良资产形成的原因是复杂的,既有银行自身经营方面的原因,也有体制转轨过程中国有企业对国有银行过度依赖、高负债以及产权虚置下的"软约束"机制方面的原因,但更多的是由体制变迁引起的。国有企业预算约束的软化导致其不计后果的过度融资,形成高负债,国有银行改革的滞后与产权虚置下的"软约束"机制则鼓励银行的过度放贷,特定背景下的二者结合引致了银行不良资产的大量产生,而银行不良资产问题的双方行为都与体制的变迁紧密相关。In Chinese banks, the causes of bad assets are complicated. Some of the causes are from the banks themselves, some from the over-depending of state-owned enterprises during the transition on the state-owned banks and some from the high debts and soft restraint mechanism, but most of the causes result from the change of the sys-tem . Soft budget restraint of state-owned enterprises leads to excessive financing and high debts. The delayed refor-mation and soft restraint have encouraged banks to provide excessive loans. These two aspects combined together have caused large amount of bad assets. The behaviors of the two parties concerned are significantly correlated with the transformation of the system.

关 键 词：国有银行 负债 银行不良资产 产权 国有企业 中国 过度 鼓励 中国 过程 

分 类 号：F832[经济管理—金融学] F276.3