国有商业银行信用风险宏观成因分析

On the Research Into the Macro Factors of the Credit Risks in Chinese State-owned Commercial Banks.

我国已于2001年11月10日顺利加入 WTO,这标志着我国经济将进入一个新的发展时期。我国金融与世界金融将融为一体。经济全球化扩大了金融的作用,同时也扩大了金融风险的作用范围。而以风险为基本特征的现代市场经济是一种高度货币化、信用化的资源配置模式,经济运行中的风险最终会通过各种途径集中和表现在金融体系最基本的风险类型——信用风险上。在市场经济务件下,信用风险的大小已从根本上决定了金融体系的稳定与否以及经济能否健康、持续地发展。因此,必须加强我国国有商业银行风险特别是信用风险的研究。本文主要分析了我国国有商业银行的信用风险的主要成因。其制度性因素主要表现为以下四个方面:产权制度、宏观经济政策、法律制度、信用环境。

China's successful entry into the WTO on Nov.10th,2001 indicates that China's economy will step into a new developing period.China's finance will be integrated into the global finance.Making finance functions in a wider range,economic globalization makes financial risks fimction in a wider range.Modern market economy characterized by risks is a highly monetized and creditized resource-distributing mode,in which all kinds of risks in economy running will in various ways,eventually,center on and take the form of credit risk......the most fundamental type in a financial system.Under the condition of market economy,the degree of credit risk fundamentally determines whether a financial system is stable and whether it can develop healthily and successively.Therefore,the management of risks especially credit risks in Chinese state-owned commercial banks must be strengthened. This thesis focuses on the research into the macro factors,contributing to the credit risks state-owned commercial banks in China.