次贷危机对中小银行的影响——以中美两国中小银行为例
发布时间：2018-09-13 07:19
【摘要】：次贷危机对美国中小银行产生直接的冲击,许多中小银行资本金严重不足、盈利能力骤降、资产质量大幅下降以及流动性缺乏。虽然次贷危机对我国中小银行的直接影响有限,但应吸取美国的教训,采取审慎的拨备制度和严格的贷款程序,提高抗风险能力。
[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.
【作者单位】： 上海财经大学金融学院;
【分类号】：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.
【作者单位】： 上海财经大学金融学院;
【分类号】：F837.12;F832.3
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