次貸危機對中小銀行的影響——以中美兩國中小銀行為例
發(fā)布時間：2018-09-13 07:19
【摘要】：次貸危機對美國中小銀行產(chǎn)生直接的沖擊,許多中小銀行資本金嚴重不足、盈利能力驟降、資產(chǎn)質(zhì)量大幅下降以及流動性缺乏。雖然次貸危機對我國中小銀行的直接影響有限,但應(yīng)吸取美國的教訓(xùn),采取審慎的撥備制度和嚴格的貸款程序,提高抗風(fēng)險能力。
[Abstract]:The subprime mortgage crisis has a direct impact on small and medium-sized banks in the United States. Many small and medium-sized banks have a serious shortage of capital, a sharp decline in profitability, a sharp decline in the quality of assets and a lack of liquidity. Although the direct impact of the subprime mortgage crisis on the small and medium-sized banks in China is limited, we should learn from the lessons of the United States, adopt a prudent reserve system and strict loan procedures to improve the ability to resist risks.
【作者單位】： 上海財經(jīng)大學(xué)金融學(xué)院;
【分類號】：F837.12;F832.3
[Abstract]:The subprime mortgage crisis has a direct impact on small and medium-sized banks in the United States. Many small and medium-sized banks have a serious shortage of capital, a sharp decline in profitability, a sharp decline in the quality of assets and a lack of liquidity. Although the direct impact of the subprime mortgage crisis on the small and medium-sized banks in China is limited, we should learn from the lessons of the United States, adopt a prudent reserve system and strict loan procedures to improve the ability to resist risks.
【作者單位】： 上海財經(jīng)大學(xué)金融學(xué)院;
【分類號】：F837.12;F832.3
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