资金利用率银行信贷流向及其金融风险控制-南京师范大学商学院.PDFVIP

财政金融 FINANCE 资金利用率、银行信贷流向 及其金融风险控制* Utilization of Funds, Flow of Bank Credit and Financial Risk Control 陶士贵 叶亚飞 内容提要 我国对金融业的管控一直存在。 从银行角度看，金融管控会造成银行信贷大量流向国有企业和地方 融资平台，过高的信贷集中度提高了银行不良贷款率、降低了资金利用效率从政府角度看，加重了政府财政负 ; 担，国有企业的垄断性经营影响了经济结构。此外，管控下的金融资源并非如政府所愿流向实体经济，而是违背 政策意愿，阻碍了对外投资。解决这些问题的关键在于加大民营金融机构的建设，取消所有制“歧视”，放松外汇 管制和深化金融改革。 关键词 金融管控 银行信贷 商业银行运作 作者单位 南京师范大学商学院 江苏南京 210023 Tao Shigui Ye Yafei Abstract: The management and control in finance has always existed in our country. From the perspective of banks, a large of funds in banks flow into the state -owned enterprises and local financing platform because of the ’ ’ government s control, as a result, excessive concentration of credit increases the banks NPL and decreases the ’ ’ efficiency of fund utilization; From the government s point of view, government s control increases burden on ’ government finances, and the monopoly operating of state-owned enterprises has an impact on China s economic structure. Furthermore, the financial resources under the management and control do not flow into the real economy ’ ’ ’ as the government s wishes, but depart from the state s willing and hinder China s foreign investment. The keys to solving these problems are intensifying the construction of private financial institutions, canceling the “discrimination ” to ownership, relaxing the exchange controls and deepening the financial reform. Key words: the management and control in finance, ba