“国家信誉”应从国有银行淡出

The State Credit Worthiness" Should Fade out of the State Bank

银行经营是否良好、运行是否稳健主要取决于公众对银行的信心 ,即银行的信誉。提高和保持银行信誉的手段包括提高银行的资本充足率 ,保持银行稳定的收入流 ,政府对银行的支持和担保程度等。我国国有银行的资本充足率未达到国际标准 ,信贷资产质量低 ,盈利逐年减少 ,国家的信誉担保成了国有银行稳健经营的关键性要素。在加入世贸组织后 ,金融业的开放将使国家信誉担保的作用不断减弱 ,国家信誉担保的退出面临着系列的难题。

Whether the bank operates well depends on the public confidence, i.e. the bank credit worthiness. Increasing bank capital adequacy and maintaining the stable bank income inflow, the steady support and guaranteed quality, etc. are the means to raise and maintain the bank credit worthiness. In our country the bank capital adequacy has not yet been up to the international standards; the credit asset quality is low; the profit is yearly decreased, and the state credit worthiness guarantee has become the key factor of prudently operating the state bank. Posterior to the accession to WTO, with the opening up of banking businesses, the role of the state credit worthiness guarantee has been weakening and its withdrawal is faced with a series of difficulties.