信用制度与信贷制度的恶性循环:对国有商业银行新增不良贷款研究

Vicious Cycle of the Interaction between Social Creditworthy System and Bank′s Loan Management:A Study on Newly-Increased Non Performing Loan of State-Owned Commercial Banks

信贷资产质量是银行的生命线 ,银行的信贷资产质量高低又是受着企业效益和信用的制约 ,企业信用又直接影响着全社会的信用制度 ,本文通过对朔州市四家国有商业银行新增不良贷款的调查研究 ,试图透过国有商业银行不良贷款新增现象 ,揭示出造成社会信用制度与信贷制度恶性循环的政府、企业、银行三方面的原因 ,并提出以下对策 :第一、降低不良贷款 ,必须硬化法律约束 ,强化信用制度 ,大力规范全社会的信用行为。第二、规范政府部门行为 ,完善成本分担机制。第三、健全信贷管理体制 ,建立风险制约机制。

The quality of assets,which is affected by the creditworthy of borrowers and the whole society as well,is crucial for commercial banks.This paper shows that the flow of non-performing loans of state-owned commercial banks lies on the vicious cycle of the interaction between social creditworthy system and banks′ loan management,and the roles of government,borrowers and lenders,through the investigation on Shouzhou case.Three strategies are developed.First,to strengthen the legal system and contract enforcement to improve the social creditworthy level.Second,to correct the distorted government behavior by a proper cost sharing design.Third,to establish a better credit management mechanism.