地方政府债务置换是政府提高自身承受力的一种方法,这种做法表面上是为了缓解地方政府的债务危机,但是实际上银行也从中可以获取很多利益,从长期来看,债务置换会给银行的客户结构以及战略发展、业务模式等带来很大的影响,在短期内地方政府的债务置换也会给银行的资产收益以及风险结构等带来重要的影响。 Local government debt replacement is a way for the government to improve its own affordability, ostensibly to ease the debt crisis of local governments. However, in fact, banks can also obtain many benefits from them. In the long run, debt replacement will give banks Customer structure, strategic development and business model. In the short term, the debt replacement of local governments will also have an important impact on the bank’s asset returns and risk structure.