发展中国家金融深化的核心——银行不良资产的化解

The Dissolution of Banking Non-performing Loans: theCore of Financial Deepening in Developing Countries

从信息经济学的角度来阐释商业银行不良资产形成的原因,指出发展中国家在经济高速增长过程中所累积形成的大量银行不良资产蕴涵着产生金融危机的可能性。提出银行不良资产的化解是发展中国家金融深化的核心,这是符合发展中国家提升自身国际竞争力和公信力的内在要求。还简要分析了发展中国家化解银行不良资产的有效途径。

This article gives a clear explanation of the cause of non-performing loans for commercial banks from the point of view of information economics. Then it indicates that those tremendous non-performing loans, accumulating in the course of fast economic growth in developing countries, contain the possibility of financial crisis. It also holds that the dissolution of banking non-performing loans is the core of financial deepening in developing countries, which conforms to the internal needs for developing countries improving their international competitiveness and gaining public credit. And finally, it briefly analyzes the effective ways for the dissolution of banking non-performing loans in developing countries.