论文部分内容阅读
我国银行不良贷款的形成主要有三个时段:一是80—90年代初,二是90年代初经济过热时期,三是90年代中后期国家实施企业破产兼并改制。这三个时期形成的不良贷款各占今天不良贷款总数的1/3。 一、从交易成本经济学的角度分析中国银行体系不良贷款 (一) 不良贷款是中国银行体系交易成本的集中体现。 广义地说,交易成本就是制度运行的成本。长期以来,由于中国转轨时期经济体制的特殊性,使得中国银行
The formation of non-performing loans in China’s banks mainly has three periods: one is from the early 1980s to the early 1990s, the second is the period of overheating in the early 1990s, and the third is the merger and restructuring of enterprises in bankruptcy in the mid and late 1990s. NPLs formed in these three periods account for about one-third of the total non-performing loans each day. I. Analysis of Non-performing Loans in China’s Banking System from the Transaction Cost Economics Perspective 1. Non-performing Loans (NPLs) are the concentrated expression of the transaction costs of the banking system in China. Broadly speaking, transaction costs are the costs of running the system. For a long time, due to the particularity of the economic system during the transitional period in China, the Bank of China