我国银企债务危机产生的根源及其渐进纾解法  

The Root of the Crises in China's Enterprises in Debt to Banks and the Gradual Mitigation Method of Tiding it Over

作　　者：黄明 

出　　处：《管理世界》1997年第6期104-115,共12页Journal of Management World

基　　金：中国博士后科学基金;中国社科院青年基金

摘　　要：我国银企债务危机产生的根源及其渐进纾解法＊黄明我国的银企关系问题是一个制度层次的问题，不同于西方某些国家的银企债务问题，不能简单照搬西方国家的处理方法，也不能指望一揽子地彻底解决。相对于其他各种方案而言，本文提出的观点不妨称之为渐进纾解法（ＧＭＭ：Ｇ...The problem of relationship between banks and enterprises in China, it seems, is a debt crisis that exists widely and in the form of the high debt ratio and substantial bad debt in the state-owned enterprises. But viewed from its embryo or taproot, it is actually wisted abnormality in the relationship between banks' lending and enterprises' borrowing fathered by the flaws of the existing enterprise and financial systems. That embryo, therefore, determines our realistic selection, that is to say, the only way to the thorough settlement of the daid relationship is the Gradual Mitigation, derived from gradual push on the reform of enterprises' and financial system and China's economic set-up as a whole.China's bank-enterprise relationship is a problem of systems of administrative levels, which is different from the problem of creditors and debtors between banks and enterprises in certain Western countries , and therefore, their methods of treatment cannot be wholly copied and left intact, nor should we expect to solve this problem in a package. In the process of transition of the whole system, in order to solve the problem of banks' credits and enterprises' debts, what we must do is to consolidate the commercial banks' assets risk administration, and to exercise more closely the center bank's supervision over this risk. To be distinguished by a difference with other various programs, the views presented in this article may as well be named Gradual Mitigation Method, abbreviated to GMM, compared with the package-plan , seems not to be a very quick and thoroughgoing method, but it is more realistic selection. Anyhow, the clear-cut guiding ideology that we should have is that the ultimate criterion of verifying an economic theory and policies is to see whether they are conducive to the spur to the social material production and the raise in the social productive forces leavels. More so is the case for the study of bank-enterprise relations.

关 键 词：银企关系 债务危机 渐进纾解法 中国 

分 类 号：F832.3[经济管理—金融学] F275.1