欧洲的僵尸银行

布鲁塞尔——欧洲银行的问题究竟是什么?简言之是资金短缺而行业过于庞大,很多从业者缺乏长期有效的商业经营模式。其中后两项因素——银行机构过滥且缺乏持续的盈利方法——构成了最严重也最棘手的问题。

银行业的规模应该引起关注,因为债务总额超过欧元区GDP的250%,任何主要问题都会导致公共预算负担过重。简言之,欧洲银行业规模已经大到无法挽救。

新鲜股本注入可以解决资金不足。但行业规模加大了资本注入的难度。更重要的是,将新股本注入在可以预见的未来无法盈利的银行并不是理智的决策。

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