约束与解集:黑河盘活不良贷款个案分析与一般结论

Constraints and Feasible Set:The General Conclusion and the Case Study on the Solution of Non-performing Loans

本文通过对黑河市所辖的北安市农村信用社依靠公安机关打击金融犯罪清收不良贷款的个案分析 ,得出如下三个基本结论 :第一 ,在银行大量的不良贷款中存在着相当比重的金融犯罪 ,而仅仅具备行政权力的金融监管部门是无力解决犯罪问题的 ,因而存在手段约束问题 ;第二 ,单纯依靠加强人民银行监管的办法来降低不良贷款比例不能完全达到预期目的 ,存在着主体错误 ,降低不贷款比例的内因和主体都是金融机构 ;第三 ,因不良贷款中存在着大量的金融犯罪 ,必须扩大解集 ,把司法部门引入不良资产化解进程中。

This paper reviews the coordination between Beian Rural Credit Cooperative and police to resolve the non-performing loans (NPLs)through dealing with the financial crimes.Three conclusions are generated as follows.First,Since financial crime is a major cause for the creation of NPLs,there is a solution constraint that solely depends on regulatory authority who merely endowed administrative right as the unique way to resolve NPLs.Second,the host should be financial institutions rather than regulatory authority in NPLs resolution.Third,it is suggested that the solution set should be enlarged by inducing judicial authority.