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日本、韩国等国家曾经因为银行不良贷款造成了银行危机和一定程度上的社会问题,银行不良贷款已经成为一个令经济界、政界、学术界十分关注的问题。本文认为银行不良贷款是一种“金融污染”,会对一个国家的福利产生负面影响。本文从现有文献的不足出发,设计了一个含有贷款、银行不良贷款的社会福利函数(效用函数),对银行不良贷款的生成机制与路径进行分析。
Japan, South Korea and other countries once caused bank crisis and some social problems because of bad loans of banks. NPLs of banks have become a matter of great concern to the economic, political and academic circles. This paper argues that bank non-performing loans are a kind of “financial pollution” and will have a negative impact on the welfare of a country. Based on the insufficiency of existing literatures, this paper designs a social welfare function (utility function) which contains loans and bank non-performing loans, and analyzes the generation mechanism and path of non-performing loans.