(Dalian Comprehensive News) Professor Huang Yiping, deputy dean of the National Development Research Institute of Peking University, said that risks need to be released. Passing the bank merchant bank is a way to maintain the overall stability of China's finance.
According to the Beijing News, Huang Yiping pointed out on the shadow bank of the Davos sub -forum in the summer yesterday that the Chamber of Commerce Bank is a serious problem.This is a way to maintain the overall stability.On the whole, there is no problem with the financial stability of the Chinese banking industry.
He said that there are many ways to maintain the stability of society, such as better social security and improving social welfare. These may be better than maintaining some problematic enterprises or financial institutions.Because the latter method is used, the consequences are more severe.
Due to serious credit risk on the 24th of last month, Baoshang Bank became the first commercial bank that the Chinese government took over in the past 20 years. It also caused market concerns. At one time, it caused tight liquidity between banks and difficulty in borrowing funds for small and medium -sized banks.According to Reuters, Li Keqiang pointed out in a discussion with entrepreneurs at the Davos Forum yesterday that China has adopted many measures to clean up shadow banks and crack down on illegal fund -raising since a period of time. These are all opportunities to protect legal investors.
Huang Yiping said yesterday that China's shadow banking is relatively large. At the end of last year, statistics showed that it reached 5 trillion (RMB, the same below, S $ 9.9 trillion) to 60 trillion yuanEssenceUnder regulatory, from the data in the first half of this year, Shadow Bank transactions fell 2 trillion yuan.
The strengthening of supervision has affected the financing of private enterprises. Huang Yiping believes that only by advancing the reform of interest rates can we better serve small and medium -sized enterprises financing.In fact, the first step in improving the problem of financing difficulties in small and medium -sized enterprises is actually to increase loan interest rates instead of reducing loan interest rates.If the interest rate is constantly reducing interest rates, such as dropped to less than 4%, most banks have no way to provide loans.
He suggested that if you want to reduce loan costs for SMEs, there are three ways to achieve: first, relaxing monetary policies; second, do better risk analysis and pricing of risks; third, if the government believes that market interest rates are for market interest rates for market interest rates for market interest rates for market interest rates for market interest rates.SMEs are too high, and these SMEs are very important for social development. The government should provide subsidies, rather than letting banks reduce interest rates.
