国有银行不良贷款形成的政治经济制度解释

A Politic Economic Institutional Explanation for State-owned Nonperformed Loan

我国四大国有商业银行的不良贷款早已成为国内经济和银行业发展的最大顽疾。由于国有银行与政治经济制度联系得异常紧密,政府一方面在化解银行不良贷款、防范金融风险方面起着重要作用,另一方面由于宏观调控不当、政府直接干预经济金融和各级政府的地方主义倾向,制造了大量不良贷款,从而引发金融体系的不稳定。因此,必须进一步推进市场化建设,杜绝行政干预之源;努力提高政府的宏观调控水平,保持国民经济稳定增长;利用市场运行的机制,运用政权力量清收不良贷款;改革司法制度,防止地方政府对法院的非法干预。

Non - performing loan problem for four state - owned commercial banks of China has already become a persistent ailment for domestic economy and banking development in China. Because of the close relationship between the state- owned banks and political economic systems, the governments have, on one hand, played an im- macro - regulating level, for maintaining steady growth of national economy ; making use of market operation mecha- nism and recovering non - performing loans with the help of political power; reforming the judiciary system for pre- venting the local government against illegal interference with the court.