我国政策性银行的经营风险及其防范研究  

On the Operational Risks of China's Policy-based Banks

作　　者：王兰军[1] 张合金[1] 

机构地区：[1]西南财经大学财税学院,四川成都610074

出　　处：《财经研究》2001年第5期30-36,共7页Journal of Finance and Economics

摘　　要：本文认为我国的政策性银行在促进我国产业政策实施的同时也存在较大的风险。当前经营存在三种风险 :先天性风险、后天性风险、功能性风险 ;当前经营风险主要表现为其信贷资产风险 ;经营风险产生的原因是存在“三对矛盾” :“软资产”与“硬负债”的矛盾 ,资金筹措的商业性与资金运用的政策性的矛盾 ,资金来源的短期性与资金使用的长期性的矛盾 ;防范与化解经营风险的对策有 :科学界定政策性银行的性质、功能 ,颁布《中国政策性银行法》 ,建立信贷经营机制 ,风险防范机制 ,加强中央银行和财政部对政策性银行经营风险的监督控制。Having promoted the implement of industrial policy,however,the China policy-based banks have their operational risks.First,there are three sorts of operational risks in the China's policy-based banks. Secondly,the operational risks in the China policy-based banks can mainly be expressed,as its loan risks.Thirdly,it can be said that the three paradoxes cause the financial risks of the China policy-based banks:the paradox between“soft assets”and “hard liability”,the paradox between“the commercial finance ”and “the political loans”,the paradox between“the short-run borrowing”and “the long-run using”.Finally,this article provides some countermeasures to avoid the operational risks of China's policy-based banks.

关 键 词：中国 政策性银行 经营风险 风险防范机制 信贷经营机制 

分 类 号：F832.31[经济管理—金融学] F832.2