政府隐性担保下的我国银行业问题分析

Problematic Analysis of China's Banking Industry Under Government Implicit Guarantee

我国银行业的竞争不足 ,是因为存在着政府隐性担保。政府的隐性担保导致了我国银行业金融资源分配的低效率 ,限制了优胜劣汰机制的发挥 ,使得有关各方行为扭曲 ,并使我国处置失败银行时处于困境。要改变目前这种隐性担保的状态 。

The reason of law competition in China's banking industry lies in the disguised guarantees from the government.Such governmental disguised guarantees have caused low efficiency of financial resource distribution in China's banking and placed restrictions on the mechanism of survival of the fittest,giving the green light to tortuous behaviors on all parts and bringing about predicament when the state deals with the losing banks.To change the poor conditions of disguised guarantees the only way out is to turn disguised guarantees into the deposit insurance.