| The forming of bad - assets namely non - performing loans of state - owned commercial bank of our country has a system reason. But the deep layer reason is information disequilibrium between government - banks - enterprises. Although the system reason has made a large numbers of bad - assets of the state - owned commercial banks. Along with the reformation going into deep, the originally elements of system will disappear by step, but the information disequilibrium is impossible completely disappear in marketing economy. It will cause the producing of new bad -assets of banks.The information economics considers that because of the market participants are in different position in the circulate of the market economy, so the information disequilibrium is surely existing. Between the government ( central bank ) and the social public, for the central bank constitute and carry out the monetary policy, it owns information advantage in the target of decision of monetary policy; Between the commercial banks and enterprises, because the enterprises own the private information of operating situation of itself and the real risk of the investment projects, the commercial banks own information disadvantage in the loan activity. The information disequilibrium between central bank and commercial banks will leads to target discrepancy between the central bank policy and the commercial banks management, leads to commercial banks conduct alienation. The information disequilibrium between commercial banks and enterprises leads to market inefficiency, thereby affect the quantity of assets of commercial banks.Under the current system of our country, there exist serious - phenomenon of the finance inhibit. And the government excessively intervening the economy seriously repressed the growth of the market mechanism. It is the main reason of information disequilibrium in financial market of our country. Because of the systematic factor, serious information disequilibrium exists between the government and commercial banks, and the information disequilibrium produce a large number of bad - assets of state - owned commercial banks.Because the main reason of producing bad - assets of state - owned commercial banks is information disequilibrium, so the essential way to dissolve the bad - assets is to create relative information equilibrium condition in financial market. Behind theinformation disequilibrium of financial market is the system reason, to create relative information equilibrium condition must commence from the system. Through the system reforming to approach the relative information equilibrium, dissolve the bad -assets of state - owned banks.This article thinks: The deep layer reason of bad - assets of bank of our country is information disequilibrium. We must create relative information equilibrium by system reforming to keep away and to dissolve the bad - assets. |
