【新唐人2013年12月28日訊】中共國務院參事室特約研究員、原國家統計局總經濟師兼新聞發言人姚景源，日前公開批評大陸銀行謀取暴利的行徑。他說，即使將銀行行長換成小狗，銀行也照樣能賺錢。這一言論立即引發外界關注和討論。
據大陸媒體報導，姚景源在第七屆「南京大學EMBA年度峰會」上，公開評論說，現在的中國沒有真正的銀行家，銀行家都成了收費家。因為錢只要從銀行一經過，銀行就開始坐地收費。銀行就像高速公路，把存款和貸款兩頭都堵上了。
姚景源指出，以前銀行只吃存貸款之間3個多點的利差，現在利率開始市場化了，老百姓的存款利率有上限，而銀行貸款利率沒有上限，很多企業的貸款利率都在20個點左右，非常高。所以，這幾年辦銀行的越來越多，因為穩賺不賠。
姚景源還開玩笑說，按照這種模式，即使讓銀行的行長們回家睡覺，把一只小狗放在行長的座椅上坐著，銀行照樣賺錢。
時事評論員馬傑森博士：「錢是壟斷的，沒人跟它競爭，錢是政治上保證穩賺。貸款的對像是國家死保，就是出了問題國家給你包底。從這樣來說，（銀行行長）幾乎是沒甚麼要動腦子要做的事。 」
姚景源這番講話，被傳媒形容是「批到銀行的痛處」，外界紛紛跟進討論。中共喉舌《人民日報》轉載了《錢江晚報》的一篇報導，問道 ：「行長果真是小狗能當的嗎？」
而網上一篇文章則盤點了「小狗可以當大陸銀行行長的9個理由」，其中包括：銀行行長永遠不用擔心沒錢賺，因為銀行靠存貸差吃飯；行長永遠不用擔心資金縮水，跑不贏通脹，因為存貸差遠遠超過消費者物價指數（CPI）；行長永遠不用擔心沒業務，因為在存款方面，中國老百姓儲蓄率最高；而貸款方面，個人、企業都排著隊求銀行貸款，只要當大爺就可以了！
最後一條理由，則最為有趣：小狗當銀行行長，無作為，反而可以杜絕腐敗。要知道，銀行高管向來是腐敗的高發區。
還有網友說：「事實上，狗當行長，頂多貪塊骨頭，人當行長，連毛都剩不下。」
時事評論員馬傑森博士把中國銀行和美國銀行進行對比分析，指出中國的銀行壞賬多了有國家兜著，而美國卻不是。
馬傑森：「美國的銀行，不管你多大，不管你有多大的政治影響力，其實你都有破產的可能性，你都有賠錢的可能性，你都有被政府罰款這樣的可能性。而中國的銀行，第一是從政策上國家給它壟斷地位，不允許國際上來競爭。」
中國金融分析師任中道指出，中國銀行還有一個最大的特色，就是銀行行長不是銀行家而是政客。中共把銀行的行政、資金結構，乃至中國的金融體系都給扭曲了。
中國金融分析師任中道：「中國這邊各個央企、銀行也好，它們的行長都有行政級別的。這也是中共一個特殊的地方。所以他不是真正為了當一個銀行家，他是為了他的烏紗帽。所以中國現在沒有真正的銀行家，都是甚麼副部級啊、部長級這樣的官員。」
中國銀監會12月25號提供的數據顯示，截至11月底，中國銀行業金融機構的總資產，達145萬3300億元人民幣，總負債135萬3800億元。
任中道：「能放出去這麼多貸款，源於老百姓的存款在支撐著這些東西。今年的房地產市場非常火熱，那錢是哪來的？8成以上都是貸款。包括有很多的資金進入到地方政府的平臺，就是融資平臺，我們所說的地方債。」
不過，任中道提醒，銀行這種做法，最後的結果就是導致泡沫越來越大。借新債還舊債，窟窿也越來越大。而國民把財富放到裏面，最後損失的還是老百姓。
採訪/陳漢 編輯/王子琦 後製/李智遠
Economist: A Puppy Can Run Banks in China
Former spokesman and chief economist of the National Bureau
of Statistics, Yao Jingyuan, has publicly criticized the
profiteering acts of banks in China.
He said that even a puppy can run a Chinese bank.
This statement immediately drew
much discussion on the Internet.
At the 7th EMBA annual summit on China’s economy held at
Nanjing University, Yao Jingyuan commented that there were
no longer real bankers in China.
They have become “freeloaders" profiting off the difference
between interest rates on deposits and loans, and banking is
like a highway toll system, reported the Chinese media.
Yao Jingyuan added banks used to absorb interest difference of
around 3%, but now the interest rates have industrialized with
deposit interest cap and unlimited loan rates, the loan rates have
reached as high as 20%.
Therefore, many banks have opened for a guaranteed profit.
Yao Jingyuan joked that with this kind of operational model,
banks will continue making money even if all the bank
presidents go home to sleep and you replace them by putting
a small dog in their seats.
Commentator Dr. Ma Jiesen: It is a monopoly.
Politically, it is guaranteed to profit.
The ones who get the loans are safeguarded by the state.
The state will cover them, even if there is a problem.
That means (bank presidents) don’t need to work.
Yao Jingyuan’s speech was described by the media as
“right on the Achilles’ heel of the bank."
Many media also followed on the discussion of the talk.
The Communist mouthpiece People’s Daily reproduced a report
titled, “Can a dog really run the bank?”
by Qianjiang Evening News.
An online article listed the nine reasons why a puppy can run
a Chinese bank, such as not needing to worry about making
money because they make money via the differential rates
of deposit and loan;
not needing to worry the funds will shrink or cannot catch up
to inflation because the differential rates of deposit and loan
far exceed the consumer price index (CPI);
not needing to worry about lack of business because the
Chinese have the highest saving rates, and everyone,
including the companies, are lining up to beg for loans,
and the bankers are the lords!
Finally, the most interesting reason: a puppy acting as
president won’t do anything, therefore, corruption will end.
To be aware, corrupt bank executives rates
have always been high.
A netizen stated: In fact, a puppy banker will at most
take the bones;
people bankers could chew up everything, even the hair.
Commentator Dr. Ma Jiesen explains the difference between
banks of China and banks of America is that China’s banks
bad debts will be absorbed by the state.
Ma Jiesen: U.S. banks of large and small, with or without
political influence, run the risk of bankruptcy, losing money,
or fines by the government.
The Chinese banks are monopolized and protected
by state policy.
No international competition is allowed.
Financial analyst Ren Zhongdao describes a very important
feature of Chinese banks in that bankers
are in fact the politicians.
The Chinese Communist Party has completely distorted the
administration and capital structure of the bank, and even the
entire financial system in China.
Financial analyst Ren Zhongdao: In China, the state-run
businesses and banks are run by executives who also
have political posts.
This is a unique situation within the Communist regime.
Those executives don’t work for the banks
but their political status.
Bankers in China nowadays are not real bankers,
but officials at the vice- ministerial or ministerial levels.
According to data published by the China Banking
Regulatory Commission on Dec. 25, total assets of banking
institutions in China were 145.33 trillion yuan, and
total debts are 135.38 trillion yuan.
Ren Zhongdao: The many loans actually come from the
deposits of the general public.
The real estate market is very hot this year, and where has
the money come from?
More than 80% of them are loans.
Many local governments’ funds also come from the loans,
the so-called local debts.
However, Ren Zhongdao warns of the growing bubbles
in the banks.
By refinancing old debts, the hole is expanding.
Finally, the general public are the ones who suffer from
the loss of their deposits.
Interview/ChenHan Edit/Wang Ziqi Post-Production/Li Zhiyuan