日本银行业在不利环境中的生存模式研究及对我国银行业的启示

Research on the Survival Mode of Japanese Banking Industry in Unfavorable Environment and the Enlightenment to Chinese Banking Industry

20世纪90年代日本资产泡沫破裂后,经济长期低迷,银行业面临业务收缩、盈利下降、破产增多等诸多困难。为应对危机,日本银行业采取了并购重组、综合化转型、下沉中小企业、进军海外市场等一系列有效措施,在艰难的环境中寻找生存之道。我国银行业当前面对的宏观经济环境与日本长期以来的不利形势较为类似,可以借鉴日本银行业在并购重组、拓展非息收入、服务中小企业方面的经验以应对潜在极端不利形势。

After the Japanese asset bubble burst in the 1990s,the economy was in a long-term downturn,and the banking industry was faced with many difficulties,such as business contraction,profit decline and bankruptcy increase.In order to cope with the crisis,Japanese banking industry has taken a series of effective measures,such as merger and reorganization,comprehensive transformation,serving small and medium-sized enterprises,entering overseas markets,etc.,to find a way to survive in the difficult environment.The current macroeconomic environment faced by China's banking industry is similar to the long-term adverse situation in Japan,so we can learn from the Japanese banking industry's experience in M&A,non-interest income expansion,and serving small and medium-sized enterprises to deal with the potentially extremely adverse situation.