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改革开放以来,高速膨胀的企业投资需求刺激了银行业资产的迅速增长,同时也使投资过程充满风险,给许多银行机构带来了大量的“沉淀”资产和低下的甚至负的经济效益。很显然,在专业银行向商业银行转轨的过程中,这种无进步无效益的增长形成的负面作用阻碍着金融改革的进程和商业银行的良性营运。因此,认识资产质量危机根源,探索投资风险管理机制对提高银行经济效益有着积极的现实意义。
Since the reform and opening up, the rapid expansion of investment demand of enterprises has stimulated the rapid growth of banking assets, and at the same time, the investment process has been full of risks, causing many “deposit” assets and low or even negative economic benefits to many banking institutions . Obviously, during the transition from a specialized bank to a commercial bank, the negative effect of this unprofitable growth is a hindrance to the progress of financial reform and to the sound operation of commercial banks. Therefore, it is of positive and practical significance to understand the root causes of asset quality crisis and explore investment risk management mechanism to improve the economic efficiency of banks.