我国信贷领域的“公共地”问题

The “Tragedy of the Commons" in Chinese Credit Market

本文论述了近年来我国商业银行集中资金投向大型、重点型企业的信贷现象及其产生的原因。将这一现象解释为信贷领域的“公共地”问题。这一现象具有潜在风险 ,非但不利于中小企业、民营企业融资难问题的缓解 ,而且会造成新的信贷风险资产的堆积。问题的面上原因可归于银行与银行之间信贷信息的隔绝与无序竞争。今年出台的统一银行信贷登记咨询管理制度、银行业协会的成立等措施理论上可以抑制这种非效率的信贷现象。但是 ,问题的深层原因却是国有商业银行的体制本身。问题的根本解决及内控机制的真正建立只能寄希望于银行业进一步的深化改革。

This paper demonstrates the phenomenon that in recent years Chinese commercial banks rush to give large or key enterprises loan fund and analyzes the reasons. This phenomenon is described as a “tragedy of the commons' in credit market is the paper. The phenomenon has potential risk for our economy. The phenomenon can be superficially explained as the result of informational isolation among commercial banks. The measures of building bank's loan registration information system and establishing Association of Banking Industry can theoretically restrain this phenomenon. However, the key cause is the system of state-owned commercial banks itself. Resolving the problem ultimately and establishing of internal risk control mechanism should depend on further reformation in bank industry.