问题银行救助的最后贷款人政策  

Lender of Last Resort Policy Supporting for the Problem Bank

作　　者：周清杰[1] 

机构地区：[1]中国人民大学经济学院,北京100872

出　　处：《金融理论与实践》2003年第2期6-8,共3页Financial Theory and Practice

摘　　要：最后贷款人是中央银行化解个别问题银行流动性困难的一个重要措施,也是各国银行安全网的主要组成部分。国际惯例中最后贷款人的前提条件、原则、实施策略,以及如何提高公共资金使用效率、降低道德风险、维护监管当局声誉等问题,对中国人民银行行使最后贷款人的实践是至关重要的亟待解决的关键环节。As one of the important components to solve the liquidity problem of commercial bank,the role of central bank’s lender of last resort is the main part of the bank’s safety-net.This es-say discusses the premises condition.Principle and operation strategy of central bank’s lender of last resort policy according to international practice,and how to promote the efficiency of public funds,reduce the moral hazard,protect the reputation of central bank.And then analyses the frac-tional action of the people’s bank of China which has beening operated the policy of lender of last resort and makes some suggestions on the policy.

关 键 词：政策 最后贷款人 问题银行 银行安全网 中央银行 公共资金 抵押品原则协同贷款 罚息原则 

分 类 号：F832.0[经济管理—金融学]