摘要
本文从产业结构升级与商业银行资产结构关系的角度,提出并分析了我国商业银行内部存在不同于体制因素所导致的结构性不良资产的现象,并提出通过发展投资银行业来为商业银行分担投资风险与提供市场退出渠道、通过商业银行之间的资产互换,来防范与化解结构性不良资产的思路。
Based on the relationship between the upgrading of industrial structure and the assets structure of commercial banks, the paper argues that there are many structural ill-assets in the commercial banks, and suggests that the industry of investment bank will be developed rapidly so as to decentralize the investment risk of commercial bank, and to provide a channel for the market exitting of bank crediting. Furthermore, the commercial banks can swap the ill-assets among them so as to decrease these assets.
