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

下载PDF

导出

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.

作者熊启跃刘锐林嵘净

机构地区中国银行国际金融研究所中国建设银行米兰分行清华大学教育研究院

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

分类号 F832.4 [经济管理—金融学]

引文网络
相关文献

参考文献5

1陈卫东,张兴荣,熊启跃.后危机时期全球大型银行资本管理的经验及启示[J].金融监管研究,2015(9):1-14. 被引量：9
2熊启跃.基于国际经验的拨备覆盖率管理建议[J].银行家,2016(1):71-73. 被引量：5
3Caporale, G., M. Alessi, S. Colli, and J. Lopez, Loan Loss Provision: Some Empirical Evidence for Italian Banks, Social Science Electronic Publishing, 2015.
4Enrico, O., and G. Ginesti, New Accounting Rules for Loan Loss Provisions in Europe:Much Ado about Nothing, 2015, Munich Personal RePEc Archive No. 64266.
5Nadege, J., and K. Kang, A Strategy for Developing a Market for Nonperforming Loans in Italy, 2015, International Monetary Fund, WP/15/24.

二级参考文献10

1Albertazzi, U., and M. Domenico, Credit Supply, Flight to Quality and Evergreening: An Analysis of Bank- firm Relationships after Lehman, Economic Research and International Relations Area in Its Series with No. 756, 2013.
2Coffinet, J., Two-Way Interplays Between Capital Buffers, Credit and Output:Evidence From French Banks, Banclue de France, Document de Travail, No. 316. 2011.
3Francis,W, and M. Osborne, Bank Regulation, Capital and Credit Supply: Measuring the Impact of Prudential Standards, Financial Services Authority Occasional Papers, NO.36, 2009.
4Hansen, S., A Macroprudential Approach to Financial Regulation, Journal of Economic Perspectives, 2011, 25(1), 3-28.
5Ignacio, H., and V. Ernesto, The Recent Slowdown of Bank Lending in Spain: Are Supply-side Factors Relevant?, Bank of Spain, Working Papers, NO. 1206, 2012.
6Laeven, L., and R. Levine, Bank Governance, Regulation and Risk Taking, Journal of Financial Economics, 2009, 93(2), 259-275.
7Meh, C., and K. Moran, The Role of Bank Capital in the Propagation of Shocks, Journal of Economic Dynamics and Control, 2010, 34(3), 555-576.
8Mora, N., and A. Logan, Shocks to Bank Capital: Evidence From UK Banks at Home and Away, Bank of England Working Papers NO.387, 2010.
9Stolz, S., and M. Wedow, Banks' Regulatory Capital Buffer and the Business Cycle: Evidence for German Savings and Cooperative Banks, Journal of Financial Stability, 2011, Vol.7, 98-110.
10黄宪,熊启跃.银行资本约束下货币政策传导机理的“扭曲”效应[J].经济学动态,2011(6):119-124. 被引量：19