化解我国银行不良资产:一种新途径的探索  

How to Handle the Bank Bad Loans: A New Way

作　　者：陈溪华[1] 郑小胡[2] 

机构地区：[1]西安交通大学经济金融学院,陕西西安710049 [2]浙江大学经济学院,浙江杭州310027

出　　处：《科学．经济．社会》2005年第2期57-61,共5页Science Economy Society

摘　　要：我国银行存在着大量不良资产且不断增长,严重危害国家金融体系的稳定和国民经济的健康发展。其根源主要是产权制度缺陷和信息、交易成本问题。本文在分析现有解决方案及其不力原因的基础上,提出并说明了通过促进国有企业与非国有企业在一定程度上的相互投资合作能解决产生银行不良资产的根源问题,且这种投资合作有其内在可能性和外部可能的激励机制即有其可行性。There are lots of and still increasing bad loans in our country, which have negative impact on the stability of financial system and healthy development of national economics. It derived from the limitation of property rights 、 issue of information and trade cost. Base on the analysis of solution available and the reason of disadvantage in the paper, we come up with solution to handle the core issue of our bank bad loans, which promote cooperation between state-owned corporation and non-state-owned corporation. the cooperation is practical ,if which has inner possible and external encourage.

关 键 词：银行不良资产 产权制度缺陷 信息 交易成本 

分 类 号：F123[经济管理—世界经济]