银行业去产能化过程中面临的困难及解决途径

Analysis of the difficulties and solutions in the process of banking de-capacity

自2016年起,国家开展供给侧结构性改革,特别是去产能进程的推进已取得了显著成效。新形势下,银行业机构要以服务供给侧结构性改革为主线,打好防控金融风险攻坚战,实现由高速增长向高质量发展的转变,为全面建成小康社会提供更有力的金融支持。目前,银行业在去产能化的过程中主要面临流动性管理困难、监管细节不明确、不良贷款处置难度大等问题。为此,商业银行应从改革授信业务、强化金融监管、盘活行业贷款等角度进行风险防控,进一步有效去产能化。

Since 2016 the nationwide supply-side structural reform has carried on, especially the capacity reduction has been push forward to the remarkable results. Under the new circumstances, banking institutions should take the service for the supply-side structural reform as the main line, fight well against financial risks and realize the transformation from high-speed growth to high-quality development so as to provide strong financial support for building a moderately prosperous society in all respects. At present, the banking sector is mainly faced with difficulties in liquidity management, unclear regulatory details and difficult disposal of non-performing loans in the process of de-capacity. Therefore, commercial banks should put risk prevention and control into effect from the perspectives of reforming credit granting business, strengthening financial supervision and activating industry loans so as to further effectively carry out de-capacity.