日本银行业化解不良资产的经验及启示  

The Experience and Enlightenment of the Japanese Banking Industry in Resolving Non-performing Assets

作　　者：李万超[1] 卢海峰 姚宁[2] 邵婷 LI Wanchao;LU Haifeng;YAO Ning;SHAO Ting

机构地区：[1]中国人民银行沈阳分行,辽宁沈阳110013 [2]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》2021年第9期59-62,共4页Journal of Jilin Financial Research

摘　　要：上世纪90年代以来,受泡沫经济崩溃影响,日本银行业不良资产问题日益突出。在此后十余年间,日本政府不断完善不良资产处置法规和机制建设,建立破产金融机构处理框架,动用公共资金救助银行机构并对企业进行重组援助,直至2005年不良资产治理成效显现。得益于此间建立起完善的金融监管体系和风险处置机制,日本银行业不仅抵御了2008年国际金融危机的冲击并长期保持了较低的不良贷款率。考察日本银行业不良资产的成因、表现及解决方法,借鉴其经验教训,对于我国化解银行不良资产具有重要的现实意义。Since the 1990s,affected by the collapse of the bubble economy,the problem of non-performing assets in the Japanese banking industry has become increasingly prominent.Over the next ten years,the Japanese government continued to improve regulations and mechanisms for the disposal of non-performing assets,established a framework for dealing with bankrupt financial institutions,used public funds to rescue banking institutions and assisted enterprises in restructuring,until the effectiveness of the governance of non-performing assets appeared in 2005.Thanks to the establishment of a sound financial supervision system and risk management mechanism,the Japanese banking industry has not only withstood the impact of the international financial crisis in 2008,but also maintained a low non-performing loan rate for a long time.Investigating the causes,performance and solutions of non-performing assets in the Japanese banking industry,and learning from its experience and lessons,has important practical significance for our country to resolve non-performing assets in banks.

关 键 词：日本 银行业 不良资产化解 启示 

分 类 号：F83O[经济管理—金融学]