中国银行业不良资产的长效防控策略——基于金融监管的视角  

The Long-Term Strategy of Dispose and Control the Non-Performing Assets in China's Banking Sector from the Perspective of Financial Supervision

作　　者：罗玉辉[1] 张志[1] 

机构地区：[1]中国人民大学经济学院,博士研究生北京100872

出　　处：《经济体制改革》2018年第1期136-142,共7页Reform of Economic System

基　　金：中国人民大学2016年度拔尖创新人才培育资助计划成果

摘　　要：本文首先分析了当前中国银行业不良资产的现状及主要风险点,并对不良资产处置新方式进行了"再思考",并从金融监管角度对如何长效防控银行业的不良资产,构建绿色、安全的金融发展环境提出了建议。最后本文提出监管机构未来应在"银行授信行业集中度管理""金融控股集团管理""互联网金融业务管理"及"绿色金融引导监督管理"等方面下大功夫,才是中国银行业"抑制不良资产的增量、化解不良资产的存量"的长效剂。This paper analyzes the current situation of China＇s non-performing assets and the main risk points, ponders the new ways of dealing with non-performing assets, and puts forward some suggestion on how to prevent and control long-term non-performing assets from the perspective of financial supervision. Finally this paper presents that the regulators should pay more attention to ＂ Bank Credit Industry Concentration Management＂ and ＂Financial Holding Group Management＂ and ＂Internet- Financial Services Management＂ and ＂Green Financial Guide and Management＂, which are long-acting agent of curbing the increment of non-performing assets.

关 键 词：金融监管 不良资产 长效防控 银行业 

分 类 号：F830[经济管理—金融学]