【新唐人2013年12月28日讯】中共国务院参事室特约研究员、原国家统计局总经济师兼新闻发言人姚景源，日前公开批评大陆银行谋取暴利的行径。他说，即使将银行行长换成小狗，银行也照样能赚钱。这一言论立即引发外界关注和讨论。
据大陆媒体报导，姚景源在第七届“南京大学EMBA年度峰会”上，公开评论说，现在的中国没有真正的银行家，银行家都成了收费家。因为钱只要从银行一经过，银行就开始坐地收费。银行就像高速公路，把存款和贷款两头都堵上了。
姚景源指出，以前银行只吃存贷款之间3个多点的利差，现在利率开始市场化了，老百姓的存款利率有上限，而银行贷款利率没有上限，很多企业的贷款利率都在20个点左右，非常高。所以，这几年办银行的越来越多，因为稳赚不赔。
姚景源还开玩笑说，按照这种模式，即使让银行的行长们回家睡觉，把一只小狗放在行长的座椅上坐着，银行照样赚钱。
时事评论员马杰森博士：“钱是垄断的，没人跟它竞争，钱是政治上保证稳赚。贷款的对像是国家死保，就是出了问题国家给你包底。从这样来说，（银行行长）几乎是没什么要动脑子要做的事。 ”
姚景源这番讲话，被传媒形容是“批到银行的痛处”，外界纷纷跟进讨论。中共喉舌《人民日报》转载了《钱江晚报》的一篇报导，问道 ：“行长果真是小狗能当的吗？”
而网上一篇文章则盘点了“小狗可以当大陆银行行长的9个理由”，其中包括：银行行长永远不用担心没钱赚，因为银行靠存贷差吃饭；行长永远不用担心资金缩水，跑不赢通胀，因为存贷差远远超过消费者物价指数（CPI）；行长永远不用担心没业务，因为在存款方面，中国老百姓储蓄率最高；而贷款方面，个人、企业都排着队求银行贷款，只要当大爷就可以了！
最后一条理由，则最为有趣：小狗当银行行长，无作为，反而可以杜绝腐败。要知道，银行高管向来是腐败的高发区。
还有网友说：“事实上，狗当行长，顶多贪块骨头，人当行长，连毛都剩不下。”
时事评论员马杰森博士把中国银行和美国银行进行对比分析，指出中国的银行坏账多了有国家兜着，而美国却不是。
马杰森：“美国的银行，不管你多大，不管你有多大的政治影响力，其实你都有破产的可能性，你都有赔钱的可能性，你都有被政府罚款这样的可能性。而中国的银行，第一是从政策上国家给它垄断地位，不允许国际上来竞争。”
中国金融分析师任中道指出，中国银行还有一个最大的特色，就是银行行长不是银行家而是政客。中共把银行的行政、资金结构，乃至中国的金融体系都给扭曲了。
中国金融分析师任中道：“中国这边各个央企、银行也好，它们的行长都有行政级别的。这也是中共一个特殊的地方。所以他不是真正为了当一个银行家，他是为了他的乌纱帽。所以中国现在没有真正的银行家，都是什么副部级啊、部长级这样的官员。”
中国银监会12月25号提供的数据显示，截至11月底，中国银行业金融机构的总资产，达145万3300亿元人民币，总负债135万3800亿元。
任中道：“能放出去这么多贷款，源于老百姓的存款在支撑着这些东西。今年的房地产市场非常火热，那钱是哪来的？8成以上都是贷款。包括有很多的资金进入到地方政府的平台，就是融资平台，我们所说的地方债。”
不过，任中道提醒，银行这种做法，最后的结果就是导致泡沫越来越大。借新债还旧债，窟窿也越来越大。而国民把财富放到里面，最后损失的还是老百姓。
采访/陈汉 编辑/王子琦 后制/李智远
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
