对我国商业银行当前不良资产有增无减的新思考

New Considerations about the Steady Worsening of Current Bad Assets of Our Country's Commercial Banks

从我国商业银行在剥离坏账的基础再次出现不良资产上升趋势入手,对不良资产形成原因的传统观点进行分析,认为长期的利率管制才是商业银行新增不良资产的根源,利率管制使得商业银行不做风险定价工作,从而加大银行的信贷风险,导致不良贷款的递增。提出推进利率市场化和加大银行风险定价工作是控制银行坏账增量的良方。

Starting from that the bad assets of our country's commercial banks present a rising tendency once again based on the decollement of bad account, this paper makes analysis on the traditional opinions on the causes of forming the bad assets, holding that the long-term interest control is the source of newly generated bad assets of commercial banks, the interest control makes commercial banks do no risk pricing work, which will oversize banks' credit risks and cause the increment of the bad loans, and points out that promoting the marketing of the interest and oversizing banks' risk pricing work are the effective prescription for controlling the increment of banks' bad assets.