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70年代以来,世界性的金融自由化、国际化和各种各样的金融创新,伴随着科学技术的进步,迅速席卷全球,形成蔚为壮观的“金融革命”浪潮。与此同时,无论发达国家还是发展中国家都面临前所未有的各类金融风险的挑战。这些危机的产生莫不与银行存在大量不良资产、信贷规模失控、央行调控失灵有关。我国商业银行与东南亚国家银行有着近似的不良贷款结构,即全部贷款中不良贷款的比重普遍较高,资本充足率过低,限制银行参与股票、期货等投资业务,使银行业务集中在传统的信贷上。东南亚金融危机肇因于对银行体系监管不力导致坏帐丛生的事实,一直让我国领导人警惕,防范金融风险也是去年以来政府关注的焦点。加强和改善对信贷资产的监管,已是当务之急。
Since the 1970s, worldwide financial liberalization, internationalization and various financial innovations have rapidly swept the world with the advancement of science and technology and have formed a spectacular wave of “financial revolution.” At the same time, both developed and developing countries are facing unprecedented challenges of various types of financial risks. These crises are not without the bank’s massive non-performing assets, the uncontrolled credit scale and the failure of the central bank to regulate and control it. China’s commercial banks and the Bank of Southeast Asian Nations have a similar structure of non-performing loans, that is, the proportion of non-performing loans in all loans is generally high, and the capital adequacy ratio is too low, which limits the banks’ participation in the investment businesses such as stocks and futures so that the banking business concentrates on traditional credit on. The fact that the financial crisis in Southeast Asia was caused by bad regulation of the banking system has led to the fact that the leaders of our country are wary of the financial risks. This is also the focus of the government since last year. It is imperative to step up and improve the regulation of credit assets.