After the American subprime mortgage and European debt crisis, Kazakhstan tackled bank restructuring through anti-crisis program which aims at improving the bank's operating system and loan recovery through bank capitalization. Thanks to the program , many steps towards recovering the banking system have been adopted. Four major banks have been recapitalized by the Government. The lesson here is that solving stock problem through bank recapitalization is necessary but not sufficient. Rather, bank recapitalizations without additional measures to improve bank skills and to provide sound performance incentives are likely to fail. The restructuring allowed the banks to clean up the portfolios from stressed assets, significantly reduce the foreign debts and concentrate on its sustainable development, in which most of the efforts aimed at restoring assets and conducting large-scale work to increase public confidence and to attract deposits.%银行业在经历了美国次贷危机和欧债危机以后，哈萨克斯坦通过危机对抗计划对本国的银行业进行了结构重组。该计划旨在通过银行注资方式提升银行运营系统效率，恢复信贷。许多银行业恢复措施因此计划而得以实施，其中四大银行已由政府注资。然而由此得出的教训是，通过银行注资解决存量问题虽然必要，但是不能成为全部。单纯向银行注资而缺少提高银行业务能力和刺激业绩向好的额外配套措施，银行注资可能难以奏效。相比之下，结构重组措施则使银行能够从证券投资组合中剥离掉不良资产，从而减少外国债务，促进持续发展。结构重组措施实施的重点是资产减损，着力提升公众信心，进而吸纳存款。
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