銀行業(yè)風(fēng)險(xiǎn)預(yù)警指標(biāo)(已修改)
2025-05-01 01:00 本頁面
【正文】 Source:Document Type:Subject Terms:Abstract:Discusses the mon features associated with banking crises and whether distress signals may be identified before serious problems arise. Link between episode of banking distress and depositor runs on banks or closure or merger of financial institutions。 Reasons for banks39。 vulnerability to adverse shocks.摘要：討論了銀行業(yè)危機(jī)的共同特征和查明導(dǎo)致危機(jī)的信號(hào)，銀行和銀行之間以及銀行和存款人之間的關(guān)系惡化，在銀行或金融機(jī)構(gòu)合并，這些都會(huì)給銀行造成負(fù)面沖擊。Persistent link to this record (Permalink):atabase: EARLY WARNING INDICATORS OF BANKING SECTOR DISTRESS 銀行業(yè)風(fēng)險(xiǎn)預(yù)警指標(biāo)Contents1. 頻繁的銀行業(yè)危機(jī)2. 為什么銀行業(yè)更易受到攻擊？3. 早期預(yù)警指標(biāo)4. 制度特色5. 避免銀行危機(jī)6. 參考文獻(xiàn)The financial crises in Japan and East Asia have been costly。 they disrupted credit金融危機(jī)在日本和東亞頻繁。他們不僅在這些國家破壞信貸渠道和減少經(jīng)濟(jì)活動(dòng)而且在世界的其他地方也是如此。channels and curtailed economic activity not only in those countries but in other parts of the world as well. Such high costs make it desirable to have some form of early 這就增加銀行成本，如此高的成本，使得建立一個(gè)銀行業(yè)風(fēng)險(xiǎn)預(yù)警系統(tǒng)迫在眉梢。warning system of impending banking sector distress. If policymakers could identify 如果政策的制定者能一個(gè)考慮到更多導(dǎo)致銀行危機(jī)因素的預(yù)警系統(tǒng)，那么銀行業(yè)才有可能采取措施，來避免一些風(fēng)險(xiǎn)。 the factors that lead to a higher likelihood of banking problems, they might be able to take steps to avert them. Of course, each banking crisis usually has idiosyncratic 當(dāng)然，每個(gè)銀行的危機(jī)都有自己的特點(diǎn)。但是同樣我們也可以看到在很多國家和個(gè)別案例中，銀行各部門的危機(jī)具有共同的特征。features. But there may also be mon features associated with episodes of banking sector distress identifiable across a large number of countries and cases. This 把這些導(dǎo)致銀行陷入危機(jī)的共同特點(diǎn)聯(lián)系在一起，查明這些信號(hào)是否可以作為銀行陷入危機(jī)前的會(huì)出現(xiàn)的狀況。 Economic Letter discusses the mon features associated with banking crises and whether distress signals may be identified before serious problems arise. An episode of banking distress may be associated with depositor runs on banks, the 一個(gè)銀行業(yè)的危機(jī)的產(chǎn)生可能涉及到儲(chǔ)戶在銀行的運(yùn)作，關(guān)閉或者合并金融機(jī)構(gòu),或大規(guī)模地延長政府補(bǔ)助。closure or merger of financial institutions, or the extension of largescale government assistance. Typical characteristics of a financial system under stress include a 不良資產(chǎn)和有限的基礎(chǔ)資本的重要投資組合會(huì)壓迫金融系統(tǒng)的典型特征。significant portfolio of nonperforming assets and a limited capital base. Using these measures, Glick and Hutchison (1999) find more than 94 episodes of 在20世紀(jì)70年代中期使用這些措施以來，格里克和哈奇森（1999）發(fā)現(xiàn)超過94組銀行業(yè)陷入危機(jī)是那些工業(yè)化和發(fā)展中的國家。banking sector distress in industrial and developing economies since the mid1970s. And they find the frequency is risingnine crises were marked in 197580, 34 during 在34年間，他們又發(fā)現(xiàn)頻繁地發(fā)生了九次銀行業(yè)危機(jī)，特別是19751980年，19911995，到了1997年出現(xiàn)了7種新的危機(jī)還有29中舊的危機(jī)仍在延續(xù)。199195 and, by 1997, there were seven new and 29 continuing episodes. Banking crises are monplace regardless of development status, but they occur with somewhat greater frequency in developing or emerging market economies than in industrialized economies. 不管一國的經(jīng)濟(jì)發(fā)展?fàn)顩r如何，都有銀行業(yè)危機(jī)的發(fā)生的可能，但是在一些發(fā)展中國家或者一些新興市場(chǎng)就可能頻繁的發(fā)生。Banking crises generally impose significant costs on the economy. One cost is the loss of output.銀行業(yè)危機(jī)通常會(huì)帶來重大經(jīng)濟(jì)成本，造成很大一筆損失費(fèi)流出。The great majority of countries have suffered recessions following episodes of banking sector distress, with the cumulative output loss associated with periods of banking sector distress averaging about 10% of GDP (Hutchison and McDill 1999). 絕大部分的國
公司管理相關(guān)推薦
鄂ICP備17016276號(hào)-1