透过日本经济强势看日本银行弱势

日本经济强大，银行业发展却存在巨额不良资产处置，公司治理结构落后，经营管理模式制约，业务品种少，信贷风险集中等问题。通过分析制约其发展的银行制度、金融危机诱因、组织文化以及文化理念和教育制度等因素。有利于我国银行业加强风险与资本管理，建立完善公司治理结构与新型银企关系，加大业务创新力度，提高银行盈利能力。

Viewing the Weakness of Japanese Banks through the Advantage of Japanese Economy

Behind the mighty Japanese economy, there still exist some problems such as huge amount NPA, undeveloped corporate governance structure, closed management model, single products, and highly centralized risk in the process of Japanese banks＇ development. Therefore, analyzing the main banking system, organization culture, culture conception and education system, we realize that our country＇s banking industry should strengthen the management of risk and capital, establish perfect corporate governance structure and new relationships between banks and enterprises, increase innovation efforts and improve the profitability.