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Discusses the common features associated with banking crises and whether distress signals may be identified before serious problems arise. Link between episode of banking distress and depositor runs on banks or closure or merger of financial institutions; Reasons for banks' vulnerability to adverse shocks.
摘要: 讨论了银行业危机共同特征和查明造成危机信号, 银行和银行之间和银行和存款人之间关系恶化, 在银行或金融机构合并, 这些全部会给银行造成负面冲击。
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EARLY WARNING INDICATORS OF BANKING SECTOR DISTRESS
银行业风险预警指标
Contents
频繁银行业危机
为何银行业更易受到攻击？
早期预警指标
制度特色
避免银行危机
参考文件
The financial crises in Japan and East Asia have been costly; they disrupted credit
金融危机在日本和东亚频繁;她们不仅在这些国家破坏信贷渠道和降低经济活动而且在世界其它地方也是如此。
channels and curtailed economic activity not only in those countries but in other parts of the world as well. Such high costs make it desirable to have some form of early
这就增加银行成本, 如此高成本, 使得建立一个银行业风险预警系统迫在眉梢。
warning system of impending banking sector distress. If policymakers could identify
假如政策制订者能一个考虑到更多造成银行危机原因预警系统, 那么银行业才有可能采取方法, 来避免部分风险。
the factors that lead to a higher likelihood of banking problems, they might be able to take steps to avert them. Of course, each banking crisis usually has idiosyncratic
当然, 每个银行危机全部有自己特点。 不过一样我们也能够看到在很多国家和部分案例中, 银行各部门危机含有共同特征。
features. But there may also be common features associated with episodes of banking sector distress identifiable across a large number of countries and cases. This
把这些造成银行陷入危机共同特点联络在一起, 查明这些信号是否能够作为银行陷入危机前会出现情况。 Economic Letter discusses the common features associated with banking crises and whether distress signals may be identified before serious problems arise.
An episode of banking distress may be associated with depositor runs on banks, the
一个银行业危机产生可能包含到储户在银行运作, 关闭或合并金融机构,或大规模地延长