国有商业银行风险的表现形式和化解途径

Risks of State owned Commercial Banks and Ways to Eliminate Risks

我国国有商业银行风险与成熟的市场经济国家有显著的区别。主要表现在 :非市场化的利率不能反映和调整金融资产结构 ,从而分散风险 ;产权单一 ,资产结构单一使信贷事前、事后监督弱化 ,成为信贷风险的根源 ;以居民储蓄存款为主体的负债结构正在不断加大流动性风险的可能性。

The risks of our state owned commercial banks are distinctly different from which in developed countries:non marketble interest rate can not reflect and adjust the structure of financial asset so as to disperse the risk; property right's simplification and the asset structure's simplification has weakened supervision on credit. It became the root of credit risk. The liability structure, the main body of the inhabitant's saving deposit is increasing the probability of liquidity risk.