文档介绍：对外经济贸易大学
硕士学位论文
中国银行体系脆弱性研究
姓名:曾瑞莲
申请学位级别:硕士
专业:金融学
指导教师:吴青
20040401
摘要

在中国银行是金融体系的核心银行体系的稳定对中国经济的持续稳定发展
至关重要随着中国的入世中国银行业也面临越来越大的竞争压力中国银行体
系目前存在的问题较多如何从根本上改变其现状是当前亟待解决的问题本文从
银行脆弱性的角度借鉴国内外学者的有关研究成果对中国银行体系脆弱性的成
因进行了系统的分析
从众多相关论著中可以得出结论银行具有内在的脆弱性而外在的因素也会
在一定程度上增加银行的脆弱性中国银行体系的脆弱性除了具有共性之外还具
有转轨经济国家的独特成因其中突出的一点就是中国在转轨时期的体制变革造
成了银行企业以及经济其他方面发展的不协调使得中国银行不良资产数目巨大
资产质量低下竞争力不高因此在分析中国银行脆弱性成因时本文重点从体
制转轨角度进行了分析并对法律监管和经济增长等外部因素的影响也做了论述
本文采用理论和实际相结合的方法借鉴已有的研究成果分四个部分对中国
银行体系的脆弱性展开论述首先介绍了银行体系脆弱性的有关概念并回顾了国
内外学者的研究成果然后立足于一般的制度环境分别从不同角度进行了系统的
理论分析在此基础上具体分析了中国银行体系脆弱性的问题最后根据上述的
分析结合中国目前的实际情况从三个方面提出了如何化解中国银行体系脆弱性
的建议

主题词银行体系脆弱性银行挤兑不对称信息体制转轨

1
Abstract

In China, the bank system is the core of the financial system, the stability of which is
very important for the continuously development of the China’s economy. With China’s
entry into WTO, the bank system will face more and petition pressure, so, how
to solve those problems that exist in the bank system is urgent at present. This paper
intends to learn from a serious of papers about the bank fragility and analyze the bank
system fragility in China.
From many researches of the bank system fragility, a conclusion is draw that, the bank
fragility is endogenous, while the exogenous factors can also add to the bank fragility. In
addition to mon causes of the fragility, Chinese bank system has its own specific
causes. The prominent one is that, the transformation of the economic system made the
disequilibria development among banks, enterprises, and other economic units, which
then cause the huge amount of the non-performing loan in the bank, the low quality of the
bank’s assets, the low ability of the bank’petition. Because of that, this paper pays
more attention to the analyzing of the effects of the transformation; furthermore, discuss
other factors like the effects of the law, the supervision and the economic development
fluctuation. At last, this