关于中国经济转轨时期国有银行不良债权问题的研究

A STUDY OF THE STATE BANKS' UNHEALTHY OBLIGATORY RIGHTS IN THE PROCESS OF CHINA'S ECONOMIC TRANSFORMATION

目前,学术界对于银行不良债权问题的研究基本是沿着两条线索进行的。大部分学者是从企业的角度来论述企业的不良债权问题。这些论述的基本目的是要缓解企业债务负担,提高企业自我发展的能力,而涉及银行部门的风险问题则比较少。从解决问题的途径来看,这些学者强调综合治理,不仅国家财政应当出资解决,而且国家银行也应给予一定的支持。另外有一些学者的论述是从银行的角度来分析不良债权对银行经营的影响。

At present, the studies of the bank' s unhealthy obligatory right issue are primarily based on two clues. Most scholars expound the question of unhealthy creditor right form the angle of a enterprise. The basic aim of this kind of study is to ease the enterprise' s debt burden and raise the self— development ability of the enterprise, and only very few studies are about the risks of banks. As for the solution to the problem, most scholars stress on comprehensive administration. Some other scholars look into the matter from the angle of the bank, believing that the problem of unhealthy obligatory right is harmful to the whole financial system and may bring about financial crisis. No matter from which angles and on which footing these scholars are making the research, they are still studying the facial phenomena and have not started the deep and systematical analysis of the problem from the angle of economic and financial reforms. The author of this article is trying with his all efforts to move ahead in this direction.