利益博弈:国有商业银行不良资产形成的根本原因

化解国有商业银行的不良资产以消除金融风险已经成为我国经济发展过程中必须解决的重要问题.要化解不良资产,必须对症下药.国有商业银行的巨额不良资产是中央政府、地方政府、国有企业、国有商业银行等利益主体在经济转轨阶段进行博弈的过程中形成的.要解决不良资产问题,必须重塑利益格局.

Benefit game is the fundamental reason for the forming of bad assets of state - owned commercial bank

It is an important task to solve the bad as sets of state-owned commercial bank to eliminate financial risk in the course of developing economy.Suitable remedy to the case is necessary to solve the bad as sets.This paper for the first time put forward that the bad assets is formed in the course of game by the center government and local gov ernment and state-owned enterprise and state-owned commercial bank during the ec onomy system shunting.It is necessary to reset the benefit structure to e liminate financial risk.Then,this paper analyzed the forming of all the benefit body and the goal function and the game course and the aftereffect.