银行信贷退出理论和实践研究  

Theoretical and Empirical Study of Bank Credit Retreat

作　　者：姜建清 

机构地区：[1]中国工商银行,北京100032

出　　处：《金融研究》2004年第1期1-18,共18页Journal of Financial Research

摘　　要：企业生命周期理论和银行的信贷经营原则要求银行业在信贷经营过程中必须实施信贷退出。但目前无论从理论上,还是在我国银行业的实践中,信贷退出尚没有系统的研究成果。缺乏退出的银行信贷业务往往伴随企业的成长一直走到它的生命周期尽头,付出了沉重代价。本文拟对信贷退出的对象、决策、通道、壁垒等进行系统研究,并在此基础上讨论我国银行业的信贷退出实践,以填补信贷退出研究领域的空白,为我国银行业向现代商业银行的转变做出贡献。According to Theory of Corporate Lifecycles and fundamental principle of credit operation, banks must retreat from credit management. However, there is no systematic research achievement on credit retreat either of theory or of practice. Because of lack of credit retreat, banking credit business has paid a high price for its lost. This paper systematically discusses the object, decision, passage, obstacle and other things of credit retreat, also states the practice of credit retreat in bank in order to fill the blank of this field and contribute to the transition of our bank to modem commercial bank.

关 键 词：信贷退出 企业生命周期 异化 通道 壁垒 

分 类 号：F832.4[经济管理—金融学]