Detail The Credit Kulaks; China's Shadow Banks   Oleh:  [s.n] Jenis: Article from Bulletin/Magazine Dalam koleksi: The Economist (http://search.proquest.com/) vol. 407 no. 8838 (Jun. 2013), page 66-67. Topik: Banking Industry; Industrywide Conditions; Regulation of Financial Institutions; Microfinance Ketersediaan Perpustakaan Pusat (Semanggi) Nomor Panggil: EE29.76 Non-tandon: 1 (dapat dipinjam: 0) Tandon: tidak ada     Lihat Detail Induk Isi artikel Much of China's shadow-banking system serves merely to help banks evade deposit ceilings and lending guardrails. It would be less pervasive if China's lending limits were less strict. But then those limits would not need to be so tight if banks' funding costs were not repressed. Neglected by the banks, small firms are willing to pay the 20-24% interest rates charged by China's 6,080 microlenders. But micro-loans amounted to only 592 billion yuan ($97 billion) at the end of last year, equivalent to less than 1% of bank credit. One answer would be to introduce formal deposit insurance. That would force banks to pay for the implicit backing they enjoy from the state. It would instill confidence in the smaller banks, as well as the ones that are obviously too big to fail. It would also draw a clearer distinction between safety (insured deposits) and risk (uninsured investments). Opini Anda Klik untuk menuliskan opini Anda tentang koleksi ini! Kembali

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