摘要
中国金融市场资本融资发展缓慢,导致企业负债率较高及债务融资资金资本化倾向明显,对商业银行不良贷款和信贷风险损失造成重要影响。根据1992-2012年的经验数据推算,中国实际存贷款平均利差为4.1%,比成熟利率市场化国家美国同期水平高1.4个百分点。为了消除商业银行信贷风险,应当推动利率进一步市场化,逐步缩减存贷款1.4个百分点超额利差直至完全放开存款利率限制。
China＇ s capital financing of financial market is developing slowly, leading to the higher debt ratio of enterprises as well as capitalization of debt financing, which brings about the non - performing loans and loan risk of commercial banks. According to 1992 -2012 data, the average spread between deposit and loan is 4.1%, 1.4 percent higher that of America at the same time. To control the loan risk of commercial banks, interest rate should be of marketization.
出处
《河北学刊》
CSSCI
北大核心
2014年第2期107-110,共4页
Hebei Academic Journal
基金
2008年度国家社会科学基金重大项目<全球金融危机下我国先进制造业发展战略研究>(08&ZD039)
2012年度教育部人文社会科学研究青年基金项目<突发冲击的产业间传导与维持中国经济稳定的关键产业识别及优化管理研究>(12YJC790292)
关键词
融资结构
存贷款利差
信贷风险损失
利率市场化
financing structure
spread between deposit and loan
loan risk loss
interest ratio marketization
