中国系统性银行风险的生成机理与表现形式

The cause and the formation of the systematical risk in Chinese banks

中国金融约束制度造就了寡头垄断的贷款市场。它使国有银行在商业化改革过程中遭遇了以不良贷款为主要表现形式的信用风险 ,给中国银行业带来了系统性风险。国有银行贷款占社会总贷款以及占其总资产的比重较大 ,使贷款市场在菜单成本效用下呈现出系统性风险。引进外资银行 ,发展民营银行 ,打破贷款市场的寡头垄断格局 ,这是避免系统性银行风险所要采取的制度性应对措施。

In China, the restrained financial institution makes the State Owned Bank hold the credit market。During the course of the transition of commercial bank,the institution brings on credit risk with the formation of problem loan, results in the markets risk in the bank system。 The over weighted proportion of the loan from the state owned bank in the country bank system and the loan in the assets of the state owned bank, by the nonlinear effect , induce the systemic risk in the country In order to solve the problem the government must break the monopoly by the way of indraughting the oversea bank,developing the commercial bank and so on