中东欧国家金融银行业开放过程中的潜在风险分析

An Analysis of the Potential Risks during Financial Openness in Central and Eastern European Countries

20世纪90年代以来,中东欧国家先后实施了金融银行业对外开放政策。金融开放为中东欧国家金融银行业注入了活力,但同时也蕴含着很多问题和潜在风险,在全球金融危机的冲击下,这些问题和潜在风险已影响到这些国家的金融市场和银行体系的稳定。本文着重从过高的外币融资、过快增长的家庭信贷、过度依赖的间接融资,以及外资银行大量进入挤占内资银行市场份额等4个方面分析这些国家金融银行业潜在风险的形成过程。

Since the 1990s,Central and Eastern European countries have implemented the policy of financial openness.The financial openness brings new energy for the banking system of CEE countries,but it also contains a lot of problems and potential risks.During the global financial crisis,these issues and potential risks have led the financial markets and banking system to instability.This article focuses on the formation of potential risks in banking systems of CEE countries such as excessive foreign currency financing,excessive growth of household credit,over-reliance on indirect financing,and foreign banks' growing market share of domestic banks.