一、引言对银行业而言,“5·12”特大地震灾害带来的直接影响,就是如何处理灾中受损的庞大信贷资产问题。据初略估算,仅在受灾最重的成都、绵阳、德阳、广元等几个城市,直接承受震灾风险的贷款总量可能高达千亿元以上。这些贷款大都以房屋为主要抵押品,由于房屋全倒或半倒,使用价值很低,或已毫无价值可言,债务人可能无力或无意愿再拥有该房屋产权,或者不再顾虑个人债务及信用问题干脆停止还本付息,银行面临呆坏账增加的风险。 I. INTRODUCTION For the banking industry, the direct impact of the “May 12” catastrophic earthquake disaster is the issue of how to deal with the huge damaged credit assets in the disaster. According to preliminary estimates, only in the most affected areas of Chengdu, Mianyang, Deyang, Guangyuan and other cities, the total amount of loans directly bearing the risk of earthquake damage may reach as high as more than 100 billion yuan. Most of these loans are mainly collateralized by houses. Since the houses are fully or partly inverted, their use value is very low or worthless, the debtor may be powerless or unwilling to own the property rights again or no longer consider personal debts and Credit problems simply stop paying off debt service, banks face the risk of bad debts.