国有商业银行不良资产财政风险实证分析

Positive Analyzing Fiscal Risks of Non-performing Assets of State-owned Commercial Banks

在讨论我国财政风险问题时,大家关注的焦点主要在由财政行为、特别是政府公债引发的财政风险上,其实,我国由非财政行为所可能引致的财政风险可能要远远大于由财政行为产生的风险。本文试图从性质和规模两个方面对我国非财政行为中的国有商业银行不良资产所可能引致的财政风险进行实证分析。

When talking about fiscal risks in China,people are used to focusing their attention on fiscal risks brought about by fiscal behavior,especially the national debt.In fact,the fiscal risks caused by non-fiscal behaviors may be much more serious than the fiscal risks caused by fiscal behaviors in China.This article,from the angle of quality and size,makes a positive analysis on the potential fiscal risks caused by non-performing assets of four commercial banks owned by the central government.