德克夏银行危机分析及其对中国银行业的启示

The Analysis of Dexia Group Crisis and Implications to China Banking

作为全球最大的公共基础设施融资银行之一,德克夏银行成为本次欧债危机中第一家接受政府救助的银行。此次危机主要原因包括欧债危机、美元回流、评级下调三大外部市场因素和流动性风险加大、资产质量过度乐观、盈利能力恶化、杠杆比率过高四大内部管理因素。这一事件对中国银行业具有重要启示,为确保稳健经营,国内银行有必要更加重视流动性管理,实现筹资多元化,不断强化自身盈利能力,并逐步提高自身风险控制能力。

As one of the worldwide - biggest public infrastructure financing banks, Dexia Group has been the first institution to accept government bailout during European debt crisis. Dexia crisis has two aspects of causes. External market factors include European debt crisis, US dollars counter - flow and debt rating downgrading. Internal management factors include increasing liquidity risk, over - optimistic asset quality appraisal, deteriorated profit- ability and excessive leverage ratio. This crisis is of great implications to China banking. To ensure stable development, domestic banks should pay more attention to liquidity management, push forward financial sourcing diversification, improve profitability and risk control capacity progressively.