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意大利银行业不良贷款处置的障碍及启示 被引量:3

The Obstacles in Disposing Non-Performing Loans in Italy and the Implications for China
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摘要 2008年金融危机以来,意大利银行业不良贷款问题不断加剧,截至2015年底,意大利不良贷款率已高达19.81%,不良贷款处置已成为阻碍意大利乃至欧元区经济复苏的重要障碍。本文对意大利银出现不良贷款处置困难的制度性原因及影响进行了剖析,在此基础之上,分析了我国不良贷款处置过程中存在的问题,并针对性地提出了优化不良贷款处置的政策建议。 The Non-performing loan problems in Italy have been intensified since the outbreak of the 2008 financial turmoil.By the end of 2015,The NPL ratio in Italy has reached 19.81%.Disposal of NPL is one of the main obstacles that hamper the recovery of Italy and EU.This paper analyzes the institutional factors causing the difficulties in NPL disposal and their impacts.On the basis of that,this paper finds out that similar problem exists in the process of NPL disposal in China,and make several policy suggestions.
出处 《金融监管研究》 2016年第7期77-91,共15页 Financial Regulation Research
关键词 意大利银行业 不良贷款处置 资本 拨备 Italian Banking Industry China Banking Industry Disposal of NPL Capital Provision
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