摘要
1980—1994年间,美国经历了一次大的银行危机,大批银行在危机中倒闭。总体来看,宏观经济、区域经济和行业经济衰退,监管机构放松监管,银行业自身经营管理的不规范是引发这次银行危机的主因。虽然危机已经过去,但这次银行危机中暴露的问题对我国银行业的发展仍具有启示意义。
The United States experienced a major banking crisis from 1980 to 1994, when a large number of banks went bankrupt. In general, the recession of macro-economy, regional economy and industry economy, deregu-lation of regulatory institutions, and nonstandard banking operation are the main causes of this banking crisis. Al-though it has already been the past, yet the problems exposed in this banking crisis are still of enlightening significance for the develooment of China' s banking industry.
出处
《金融发展研究》
2013年第4期66-70,共5页
Journal Of Financial Development Research
关键词
银行危机
银行监管
资本充足率
贷款集中度
banking crisis, banking regulation, capital adequacy ratio, loan concentration