产能、流动性“双过剩”给银行业带来的风险及监管对策

The Risks Facing Banking Industry Caused by "The Double Surplus" of Production Capacity & Liquidity and the Regulation Counterm easures

产能过剩和流动性过剩是近年来宏观经济运行出现的新问题,反映了我国宏观经济产业结构的深层次矛盾,二者具有内在的联系。本文从银行监管角度阐述产能和流动性“双过剩”对商业银行风险管理带来的压力,为防止产能和流动性“双过剩”带来银行系统性风险,提出针对性的监管建议。

The initial natural endowments of China＇s economic system reform decide the process of financial system reform. Since the state has controlled financial returns, the state-owned commercial banks have accumulated a large sum of risks after undergoing the equity structure adjustment which is different from that in other state-owned enterprises. This paper compares the lender＇s and borrower＇s entirely different gaming results in the restraint of different law and law execution forces, and analyzes the state-owned enterprise＇s moral hazard incentive behavior of deliberate evading debts in the course of borrowing money from state-owned commercial banks in an imperfect legal system. The author believes that the vague rights definition in the new ＂Bankruptcy Law＂ is detrimental to the protecting creditor＇s rights and interests.