美国两次银行业危机的成本比较

The Cost Comparison of the two Banking Crises in the United States

本文通过比较美国储贷危机和次贷危机引发的两次银行业危机成本的异同,寻求经济成本最低化和公共成本最优化的处理方案。研究发现,此次银行业危机的经济成本和公共成本都明显高于储贷危机,这一方面说明此次危机的严重程度,另一方面也对我国银行业敲响警钟,在危机处理时应注意把握救助界限,谨防救助成本的不合理激增。

The cost of banking crises is the sum of various costs in banking crises, including economic cost and public cost. In this paper, we found the similarities and differences of the cost between the Savings ＆ Loan Crisis and the Subprime Crisis, and searched for the optimization treatment with the lowest economic and public cost. The study found that the economic cost and public cost of this banking crisis are significantly higher than the Savings ＆ Loan Crisis. It showed the severity of the crisis, and sounded the alarm on China＇s banking sector, which should pay more attention to the limits of relief in crisis management, and guard against unreasonable increased cost.