日本金融业不良债权产生的根源及政策措施

The Causes of and Policies against Bad Claims in Japanese Finance Industry

20世纪90年代初泡沫经济崩溃以来,日本银行业的不良债权一直大量存在,阻碍了日本经济的自律恢复。本文对日本银行业不良债权产生的经济背景、金融体制和经济结构原因以及市场经济条件下不良债权产生的一般原因进行了剖析,并对日本政府采取的政策措施及新进展进行了分析,在此基础上探讨了防范和化解不良债权的有效途径。

Since the breaking of bubble economy in 1990s, there has been existing large numbers of bad claims in Japanese banking industry which has hampered its self-discipline recovery. First this article discusses the causes of bad claims in Japanese banking industry in terms of economic background, financial system and economic structure. Then it analyzes the policies adopted by Japanese government and the latest development of this problem. Finally this article explores the effective means to guard against and dissolve bad claims in China.