我国商业银行信用风险传导机制分析  

Our country Commercial bank credit risk conduction mechanism analysis

作　　者：金银凤[1] 高松[2] 

机构地区：[1]南京审计学院继续教育学院,南京210029 [2]南京审计学院经济学院,南京210029

出　　处：《中国经济与管理科学》2008年第8期150-153,共4页Chinese Economy Management Science Magazine

摘　　要：本文对我国商业银行市场结构对信用风险的传导机制问题进行了深入分析，发现商业银行市场结构对信用风险存在一定的影响，并且具备相应的传导机制。结合我国商业银行市场结构的特征和信用风险的现状，本文认为：为保证银行业的整体风险的可控性，保持一定程度的垄断是有益的。过分强调开放市场，放松行业准入制度，提高市场的竞争度，对于降低商业银行的信用风险水平而言，并非明智之举。This article has carried on the thorough analysis to our country Commercial bank market quotation field structure to the credit risk conduction machine-made question,discovers the commercial, bank market quotation field structure to credit risk existence certain influence, and has the corresponding conduction mechanism. Unifies our country Commercial bank market quotation field structure the characteristic and the credit risk present situation, this article thought that, In order to guarantee the banking industry the overall risk controllability, the maintenance certain degree monopoly is beneficial. Overemphasizes opens the market, relaxes the profession admittance system, enhances the market the competition,＇speaking of reduces the commercial bank the credit risk level, by no means wise move.

关 键 词：商业银行 市场结构 信用风险 

分 类 号：F832.3[经济管理—金融学]