中国银行业不良资产的长效防控策略——基于金融监管的视角

The Long-Term Strategy of Dispose and Control the Non-Performing Assets in China's Banking Sector from the Perspective of Financial Supervision

本文首先分析了当前中国银行业不良资产的现状及主要风险点,并对不良资产处置新方式进行了"再思考",并从金融监管角度对如何长效防控银行业的不良资产,构建绿色、安全的金融发展环境提出了建议。最后本文提出监管机构未来应在"银行授信行业集中度管理""金融控股集团管理""互联网金融业务管理"及"绿色金融引导监督管理"等方面下大功夫,才是中国银行业"抑制不良资产的增量、化解不良资产的存量"的长效剂。

This paper analyzes the current situation of China＇s non-performing assets and the main risk points, ponders the new ways of dealing with non-performing assets, and puts forward some suggestion on how to prevent and control long-term non-performing assets from the perspective of financial supervision. Finally this paper presents that the regulators should pay more attention to ＂ Bank Credit Industry Concentration Management＂ and ＂Financial Holding Group Management＂ and ＂Internet- Financial Services Management＂ and ＂Green Financial Guide and Management＂, which are long-acting agent of curbing the increment of non-performing assets.