日本银行业不良债权问题再思考  

Rethinking of Japan's Bad Loans Problem

作　　者：贺畅达[1] 许言[1] 

机构地区：[1]中国人民银行大连市中心支行,辽宁大连116000

出　　处：《吉林金融研究》2015年第11期22-25,共4页Journal of Jilin Financial Research

摘　　要：日本银行业在上世纪90年代爆发不良债权问题,由于初期的忽视和处理的拖延,导致日本陷入长期的景气收缩,物价下行,银行惜贷,货币政策和财政政策难以施力。在实施全额存款保险、成立资产管理公司、注入公共资金,量化宽松政策、金融再生计划等一系列特别措施后,最终走出不良债权问题的阴影。当前我国不良债权比率骤升,同时,经济面临景气下行和通缩压力,日本处理不良债权的经验及教训值得我们重新思考和研究。Japan＇s banking distressed debt problems in the 1990＇s, as a result of the neglect and processing delay in the early time, Non-Performing Loans problems lead Japan into a long-term cyclical contraction, prices downward, Banks reluctant to lend, enterprise and the decline in consumer confidence in the banking system, monetary policy and fiscal policy is hard to work. Established in the implementation of such as a full deposit insurance, asset management companies, injection of public capital, quantitative easing, the regeneration of financial planning measures, the final out of the shadow of the distressed debt problem. The distressed debt ratio increased sharply in our country, at the same time, China＇s economy came into a downward boom and deflationary pressures, Japan processing experience and lesson of bad creditor＇s right is worth for us to rethink and research.

关 键 词：不良债权 通货紧缩 日本银行业 

分 类 号：F833.13[经济管理—金融学]