国有商业银行不良贷款比率下降机理及政策建议

Theory to Lower the NPLs Ratio of State-owned Banks and Relative Policy Suggestions

本文分析了降低商业银行不良贷款比率通常使用的四种方法 ,指出短期内可以通过国家的政策支持和加强预算约束来降低国有商业银行的不良贷款比率 ;长期内 ,则只有进行彻底的产权制度改革 ,不断提高信贷管理能力和对市场的把握能力才能从根本上降低国有商业银行的不良贷款比率。信贷集中风险有可能使国有商业银行的不良贷款比率呈“U”形走势 ,应当引起有关部门的足够重视。

The article analyzes the general four ways to reduce the ratio of Non-performing Loans in commercial banks. It points out that in a short period we can take two ways to reduce the NPLs' ratio: depending on the country's policy supports and strengthening the budget strain of the stated-owned banks; but during a long time, only two ways can lower the ratio really: conducting capital structure' reform and increasing the state-owned banks' ability of driving the market. The relative departments should pay more attention to the problem of loans' concentration because it can make the NPLs' ratio fluctuating as 'U' in the future.