发展中国家银行危机的共性特征与原因分析

20世纪80年代以来，众多发展中国家爆发了程度不同的银行危机，使本国的金融体系受到巨大的冲击，综合分析发展中国家银行危机案例可以发现，发展中国家银行危机存在着众多共性特征和相同成因。章着重从宏观经济环境的恶化、信贷高涨时期有失审慎的放贷活动、政府的过多干预、对金融自由化缺乏足够的准备以及会计信息披露和立法框架不健全等方面，深入剖析发展中国家银行危机爆发的原因，以期对构筑发展中国家银行稳健经营和抵御风险的稳定框架起到借鉴作用。

General Characteristics and Major Causes for Banking Crisis in Developing Countries

Since 1980's, many developing countries have been suffering from banking crises in varying degrees, which shook the financial system greatly of these counties. Examining the cases of banking crises of developing countries, we can find some general causes that result in banking crisis, including macroeconomic deterioration, credit skyrocketing, inadequate preparation for financial liberalization, excessive intervention by the government, poor system of accounting and defective legislation. Analyzing those causes is conducive to establish a stable system of steady management and low risk-taking in banking operation.