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本文通过构建脆弱性核心指标体系,对我国商业银行体系的脆弱性进行理论与实证分析。结果表明:近年我国商业银行体系脆弱性波动增大,但整体稳定。不良贷款与被解释变量银行体系脆弱性显著正相关,不良贷款越高,银行体系越脆弱。当前应重视不良贷款的反弹,降低商业银行体系的脆弱性的负面影响。运用宏观政策来化解不良贷款,通过完善银行监管、创建良好的市场信用环境,提高银行体系的稳定性。
This article through the construction of the core index system of vulnerability, the theoretical and empirical analysis of the vulnerability of China’s commercial banking system. The results show that in recent years, the volatility of the commercial banks in our country has been increasing, but the overall stability. NPLs were significantly and positively correlated with the vulnerability of the bank system under explanatory variables. The higher the NPLs, the more vulnerable the banking system. At present, attention should be paid to the rebound of non-performing loans to reduce the negative impact of the vulnerability of the commercial banking system. Use macroeconomic policies to resolve non-performing loans, improve banking supervision, create a sound market credit environment and improve the stability of the banking system.